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Credit union call report ยท Sugar Land, TX

Houston Federal Credit Union Call Report

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Houston Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 479 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Houston Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number14091
Federal Reserve RSSD ID580780

The official copy: search charter number 14091 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Houston Federal Credit Union call report, Q2 2026

Statement of Financial Condition (39 items)
Houston Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $8.4M
1b. Cash Items in Process of Collection AS0005 $1.1M
1c. Total Cash on Hand 730A $9.5M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $101K
2b. Cash on Deposit in Federal Reserve Bank AS0003 $112.8M
2c. Cash on Deposit in Other Financial Institutions 730B2 $45K
2. Cash on Deposit (total) 730B $112.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $122.5M
8. Available-for-Sale Debt Securities AS0067 $88.2M
9. Held-to-Maturity Debt Securities AS0073 $138.9M
11. TOTAL INVESTMENT SECURITIES AS0013 $227.2M
12a. Nonperpetual Capital Account 769A $5
12b. Perpetual Contributed Capital 769B $2K
12c. All Other Investments AS0016 $14.0M
13. TOTAL OTHER INVESTMENTS AS0017 $14.0M
15a. Number of Total Loans and Leases 025A 19,771
15b. Total Loans and Leases 025B $532.7M
17. ACL on Loans and Leases AS0048 $3.2M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $281K
18c. Foreclosed/Repossessed - Vehicles AS0024 $397K
18e. Foreclosed/Repossessed Assets (total) 798A $678K
19. Land and Building 007 $17.8M
20. Other Fixed Assets 008 $8.8M
21. NCUA Share Insurance Capitalization Deposit 794 $7.7M
22d. Accrued Interest on Loans 009A $2.5M
22e. Accrued Interest on Investments 009B $1.0M
22f. All Other Assets 009C $20.5M
22g. Total Other Assets AS0036 $24.0M
23. TOTAL ASSETS 010 $952.0M
Accounts Payable and Other Liabilities 825 $11.2M
Accrued Dividends and Interest Payable 820A $2.8M
Member Shares of All Types 013 $850.3M
Total Shares and Deposits 018 $850.3M
Undivided Earnings 940 $81.5M
Other Reserves 658 $9.7M
Net Income (equity) 602 $2.1M
Total Net Worth 997 $94.0M
Net Worth Ratio 998 9.88%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $952.0M
Statement of Income and Expense (24 items)
Houston Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $16.2M
3. Income from Investments 120 $10.1M
5. TOTAL INTEREST INCOME 115 $26.3M
6. Dividends on Shares 380 $6.9M
8. Interest on Borrowed Money 340 $4.2M
9. TOTAL INTEREST EXPENSE 350 $11.0M
10. NET INTEREST INCOME IS0010 $15.2M
12a. Credit Loss Expense - Loans and Leases IS0011 $2.0M
12e. Total Credit Loss Expense IS0017 $2.0M
13. Fee Income 131 $2.3M
14. Other Operating Income IS0020 $3.4M
20. Gain (Loss) on Sales of Other Real Estate Owned IS0030 -$4K
23. TOTAL NON-INTEREST INCOME 117 $5.7M
24. Employee Compensation and Benefits 210 $8.3M
25. Travel and Conference 230 $63K
26. Office Occupancy 250 $1.5M
27. Office Operations 260 $2.0M
28. Educational and Promotional 270 $455K
29. Loan Servicing 280 $660K
30. Professional and Outside Services 290 $3.8M
32. Operating Fees 320 $82K
33. Miscellaneous Operating Expense 360 $89K
34. TOTAL NON-INTEREST EXPENSE 671 $16.9M
35. NET INCOME 661A $2.1M
Statement pages - all other filed accounts (25 items)

delinquency (21%), credit cards (21%)

Houston Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $5.1M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $612K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $184K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $176K
Loans Granted Year-to-Date 031A $3K
Amount of Loans Granted Year-to-Date 031B $101.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $2.6M
Number of current members (not number of accounts) 083 59,544
Number of potential members 084 2,338,860
Net Member Business Loan Balance 400A $70.9M
Interest Rate of Unsecured Credit Card Loans 521 1,800.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,050.00%
Interest Rate of New Vehicle Loans 523 495.00%
Interest Rate of Used Vehicle Loans 524 495.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $2.1M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $166K
Total Amount of All Other Shares 630 $630K
Amount of Regular Shares 657 $249.3M
Amount of Share Drafts 902 $166.9M
IRA/KEOGH Accounts - < 1 Year 906A $29.6M
Share Certificates - < 1 Year 908A $191.1M
Total Amount of Share Certificates 908C $262.9M
Total Amount of Money Market Shares 911 $124.3M
Number of Used Vehicle Loans 968 6,923
NCUA data file FS220A (25 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Houston Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $761.9M
Total Shares - 1-3 Years 013B1 $74.4M
Total Shares - > 3 Years 013B2 $14.0M
Total Shares and Deposits - < 1 Year 018A $761.9M
Total Shares and Deposits - 1-3 Years 018B1 $74.4M
Total Shares and Deposits - > 3 Years 018B2 $14.0M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 154
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $138.3M
Amount of New Vehicle Loans 385 $58.7M
Amount of Unsecured Credit Card Loans 396 $17.9M
Amount of All Other Unsecured Loans/Lines of Credit 397 $14.6M
Share Certificates 451 $5K
Number of Accounts for Share Drafts 452 36,159
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 62,163
All other shares 455 $103
Money Market Shares 458 $3K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 108,703
Number of credit union employees who are Full-Time (26 hours or more) 564A 175
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 7
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $10.7M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,708.00%
Amount of real estate loans sold but serviced by the credit union 779A $22.8M
Total credit lines 881 $405.1M
NCUA data file FS220B (28 items)

maturity and repricing buckets (40%), credit cards (17%)

Houston Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $160K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $63K
Number - Total Delinquent Credit Card Loans 045A 69
Total Amount of Delinquent Unsecured Credit Card Loans 045B $296K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $80.6M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $80.6M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $769.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
All other shares - < 1 Year 630A $630K
Amount of Regular Shares - < 1 Year 657A $249.3M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $448K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $15K
Fair value of Held to Maturity Securities 801 $131.2M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $166.9M
IRA/KEOGH Accounts - 1-3 Years 906B1 $14.1M
IRA/KEOGH Accounts - > 3 Years 906B2 $2.4M
Total Amount of IRA/KEOGH Accounts 906C $46.2M
Share Certificates - 1-3 Years 908B1 $60.3M
Share Certificates - > 3 Years 908B2 $11.6M
Money Market Shares - < 1 Year 911A $124.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.2M
Number of New Vehicle Loans 958 2,148
Total Shares 966 $109K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $1.2M
Number of Unsecured Credit Card Loans 993 5,931
Number of All Other Unsecured Loans/Lines of Credit 994 2,098
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 50
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Houston Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 12
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $205.9M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $23.1M
Amount of Participation Loans Purchased Year-to-Date 690 $2.2M
NCUA data file FS220D (35 items)

member services and products offered (69%), CUSO relationships (27%)

Houston Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
Credit Management and Repair 879B6 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Deposits and Shares Meeting 703.10(a) 879M $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (8 items)

loans and leases (32%), participation loans (18%)

Houston Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $770K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $2.2M
Total Outstanding Amount of Participation Loans Sold By Type 691N $1.5M
Total Value of Investments in CUSOs 851 $179K
Total Aggregate Cash Outlay in CUSOs 853 $179K
Total Credit Lines at Corporate Credit Unions 884 $500K
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $770K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $770K
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Houston Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $69.6M
Total number of TDR loans outstanding 1000F $20
Total amount of TDR loans outstanding 1001F $159K
NCUA data file FS220I (19 items)

vehicle lending (59%), delinquency (44%)

Houston Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $646K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $2.1M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $9K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $224K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $91K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $92K
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $33K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $72K
Number of Reportable Delinquent New Vehicle Loans 035E1 7
Number of Reportable Delinquent Used Vehicle Loans 035E2 30
Amount of Reportable Delinquent New Vehicle Loans 041C1 $160K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $560K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $104K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $844K
Amount of New Vehicle Loans YTD Recoveries 551C1 $645
Amount of Used Vehicle Loans YTD Recoveries 551C2 $25K
Commercial Share Accounts 643 $28.1M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $166K
Number of International Remittances originated Year-to-Date 928 215
NCUA data file FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Houston Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $7.2M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $7.2M
NCUA data file FS220L (49 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Houston Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $20K
Total Amount of Loans & Leases on Loan Schedule 025B1 $532.7M
Total number of commercial loans to members granted or purchased YTD 090A1 $5
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $1
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 2
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 2
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $5
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $1
Number of member construction and development commercial loans 143A3 17
Outstanding balance of member construction and development commercial loans 143B3 $13.1M
Number of member construction and development commercial loans granted or purchased YTD 143C3 1
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $1.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $46.2M
Amount of All Other Real Estate Loans/Lines of Credit 386B $7.6M
Total outstanding balance of commercial loans to members 400A1 $68.7M
Total outstanding balance of nonmember commercial loans 400B1 $2.2M
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $16.6M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $28.3M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $2.2M
Outstanding balance of Member Commercial and Industrial loans 400L2 $4.3M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $6.3M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $4.3M
Outstanding balance of all member and non-member commercial loans 400T1 $70.8M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $9.0M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $2.2M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $3.1M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $3.9M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $2.2M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $9.0M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $2.2M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 637.50%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 862.50%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 599.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 488.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 260.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 5
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $1.6M
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $1.2M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $2.2M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $1.5M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $10.3M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $168.3M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $64.3M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $2.2M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $66.5M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $988K
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 1
NCUA data file FS220M (22 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Houston Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $24.8M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $40.0M
Total Unfunded Commitments for Commercial Loans 814K $4.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $503
Total Unfunded Commitments for Non-Commercial Loans 816T $65.1M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $334K
Total number of member commercial loans 900A1 $63
Total number of nonmember commercial loans 900B1 $1
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 17
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 18
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 1
Total number of real estate secured member commercial loans 900K2 $58
Total number of real estate secured nonmember commercial loans 900K3 $1
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 59
Number of Member Commercial and Industrial loans 900L2 5
Number of member commercial loans Secured by Multifamily Property 900M 6
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 5
Total Number of Member and Nonmember commercial loans 900T1 $64
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 1,161
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 725
Number of All Other Real Estate Loans/Lines of Credit 960B 88
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 633
NCUA data file FS220N (12 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Houston Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $28.0M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $27.8M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $20.7M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $11.7M
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.5M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $11.2M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $58.1M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $65.1M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$6.2M
Total Liabilities LI0069 $864.2M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $2.0M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $952.0M
NCUA data file FS220P (32 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Houston Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $677K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $125K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $48.2M
Unsecured Credit Card Loans DL0002 $74K
All Other Unsecured Loans/Lines of Credit DL0022 $190K
All Other Unsecured Loans/Lines of Credit DL0023 $46K
All Other Unsecured Loans/Lines of Credit DL0024 $123K
All Other Unsecured Loans/Lines of Credit DL0025 $145K
All Other Unsecured Loans/Lines of Credit DL0027 $313K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $39
New Vehicle Loans DL0030 $28K
Used Vehicle Loans DL0037 $172K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $137K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $66K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $79K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $145K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $5
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $1.1M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $897K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $220K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $1.1M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $3
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $413K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $35K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $35K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $1
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0071 $267K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $319K
Amount of Consumer Loans in Non-Accrual Status DL0145 $1.8M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $65.1M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $4.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $4.4M
NCUA data file FS220Q (39 items)

investment portfolio detail (69%)

Houston Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - Loans Transferred under the FHLB MPF program LQ0021 $22.8M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $275.9M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $138.9M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $131.2M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $94.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $88.2M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $138.9M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $131.2M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $94.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $88.2M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $138.9M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $94.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $88.2M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $88.2M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $138.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $14.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $2K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $14.0M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $32.5M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $52.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $78.9M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $76.8M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $2K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $241.1M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Remaining Premiums NV0169 $2.7M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $7.2M
RBC Total Equity RB0001 $94.0M
RBC Allowance for Credit Losses RB0002 $3.2M
RBC Total Additions RB0005 $3.2M
RBC Total Deductions RB0009 $7.7M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $89.6M
RBC Risk-Based Capital Numerator RB0012 $89.6M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $122.5M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $122.4M
RBC Cash, Cash Equivalents, Deposits in Financial Institutions or Reserve Banks 20% Weight RB0016 $5K
RBC Total for Risk Weighting Securities RB0019 $227.2M
RBC Securities 0% Weight RB0020 $30.3M
RBC Securities 20% Weight RB0021 $196.8M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $2.2M
NCUA data file FS220R (107 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Houston Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Central Liquidity Facility LQ0060 $2.4M
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $126.3M
CCULR Off-Balance sheet exposures LR0002 $27.2M
CCULR Off-Balance sheet exposures ratio LR0003 286.00%
RBC Total for Risk Weighting Other Investments RB0029 $14.0M
RBC Other Investments 0% Weight RB0030 $2.4M
RBC Other Investments 20% Weight RB0031 $11.6M
RBC Other Investments 100% Weight RB0032 $5
RBC Other Investments 150% Weight RB0033 $2K
RBC Schedule Total Investments RB0039 $241.1M
RBC Total for Risk Weighting Total Investments RB0041 $241.1M
RBC Total Investments 0% Weight RB0042 $32.7M
RBC Total Investments 20% Weight RB0043 $208.4M
RBC Total Investments 100% Weight RB0045 $5
RBC Total Investments 150% Weight RB0046 $2K
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $168.3M
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $167.2M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $1.1M
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $46.2M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $46.1M
RBC Junior Lien Residential Real Estate Loans 150% Weight RB0059 $35K
RBC Schedule Total Consumer Loans RB0060 $247.4M
RBC Total for Risk Weighting Consumer Loans RB0062 $247.4M
RBC Consumer Loans 0% Weight RB0063 $4.0M
RBC Consumer Loans 75% Weight RB0065 $210.0M
RBC Consumer Loans 100% Weight RB0066 $31.9M
RBC Consumer Loans 150% Weight RB0067 $1.5M
RBC Schedule Total Commercial Loans RB0068 $70.8M
RBC Total for Risk Weighting Commercial Loans RB0070 $70.8M
RBC Commercial Loans 0% Weight RB0071 $1.2M
RBC Commercial Loans 100% Weight RB0073 $69.6M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $3.2M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $3.2M
RBC Schedule Total Loans RB0079 $529.4M
RBC Total for Risk Weighting Total Loans RB0081 $529.4M
RBC Total Loans 0% Weight RB0082 $2.0M
RBC Total Loans 50% Weight RB0084 $167.2M
RBC Total Loans 75% Weight RB0085 $210.0M
RBC Total Loans 100% Weight RB0086 $148.8M
RBC Total Loans 150% Weight RB0087 $1.5M
RBC Schedule Total Other Assets RB0088 $59.0M
RBC Total for Risk Weighting Other Assets RB0090 $59.0M
RBC Other Assets 0% Weight RB0091 $7.7M
RBC Other Assets 100% Weight RB0092 $51.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $952.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $952.0M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $164.8M
RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight RB0102 $208.4M
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $167.2M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $210.0M
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $200.1M
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $1.5M
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $485.1M
RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight RB0113 $41.7M
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $83.6M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $157.5M
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $200.1M
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $2.3M
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $2.2M
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $2.2M
RBC Federal Home Loan Bank MPF Program Credit Equivalent Amount RB0131 $4.6M
RBC Federal Home Loan Bank MPF Program 50% Weight RB0132 $4.6M
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $6.8M
RBC Total Off-Balance Sheet and Derivative 50% Weight RB0158 $4.6M
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $2.2M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $4.5M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 50% Weight RB0166 $2.3M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $2.2M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $958.8M
RBC Total Risk-Weighted Assets RB0171 $489.6M
RBC Total Risk Based Capital Ratio RB0172 1,829.00%
RBC Allowance for Credit Losses (Loans) RB0177 $3.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 432.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 95,994,673.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 7,671,136.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 561.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 55,916,533.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 5,202,378.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $1
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $151K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $12
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $3.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 155.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 12,494,623.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 875,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $168.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $13.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 281.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 14,956,246.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 926,579.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 444.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 31,208,135.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 2,575,025.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $46.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $3.5M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 88.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 7,556,501.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 22,500.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $7.6M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $22K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $2K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $222.0M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $17.3M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $49.1M
Total Shares SH0013 $850.3M
Total Shares and Deposits SH0018 $850.3M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 120
NCUA data file FS220S (5 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Houston Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Communication PP0047 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Houston Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Houston Federal Credit Union call report?

The Houston Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Houston Federal Credit Union file?

Houston Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Houston Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Houston Federal Credit Union is 14091.

How often does Houston Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Houston Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.