Houston Police Federal Credit Union Houston, Texas
Houston Police Federal Credit Union is a federal credit union headquartered in Houston, TX, established in 1937 (NCUA charter 2357), and it is regulated and insured by the NCUA. At Q2 2026 it reported 33,313 members and total assets of $1.02B (up 5.8% from Q2 2025), the 38th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 16.42% at Q2 2026, in the well capitalized band.
Also written as Houston Police FCU · Trade name filed with the NCUA: Houston Police Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2357
- Headquarters
- Houston, TX
- Established
- 1937
- Total assets, Q2 2026
- $1.02B
- Assets vs Q2 2025
- +5.8%
- Members, Q2 2026
- 33,313
- Net worth ratio, Q2 2026
- 16.42%
- Latest call report
- Q2 2026, NCUA 5300 · Houston Police Federal Credit Union call report
- Asset rank in state
- 38th of 377 in Texas
- Routing number
- 313083659
- Branches
- 3
It has 1,662 more members than on June 30, 2025 (+5.3%). Its net worth ratio was up 0.10 percentage points from 16.32% on June 30, 2025. New vehicle loans are its largest loan category, $110.4M of $470.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 16.42% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Texas
Frequently asked about Houston Police Federal Credit Union
How big is Houston Police Federal Credit Union?
At Q2 2026 it reported total assets of $1.02B and 33,313 members.
Where is Houston Police Federal Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was Houston Police Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is Houston Police Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2357): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Houston Police Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Houston Police Federal Credit Union well capitalized?
Its net worth ratio was 16.42% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Houston Police Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.70% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Houston Police Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 53.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77007
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 2357
- RSSD ID
- 60170
- Members
- 33,313
- Potential members
- 49,970
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 16.42% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.21% | 0.89% | 72nd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.40% | 8.07% | 44th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.99% | 3.45% | 23rd bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.10% | 70.59% | 89th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.70% | 1.68% | 48th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.70% | 0.68% | 49th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.70% | 5.12% | 25th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 53.47% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.02B total assets against $959.9M; $879.8M total shares and deposits against $840.4M; $470.5M total loans against $469.8M.
$166.8M net worth against $156.9M.
16.42% net worth ratio against 16.32%.
53.47% loan-to-share ratio against 55.90%.
0.70% delinquency ratio against 0.57%.
1.21% return on assets against 1.05%; 7.40% return on equity against 6.41%.
2.99% net interest margin against 2.65%.
33,313 members against 31,651.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.42% | 1.21% | 0.70% | 53.47% |
| March 31, 2026 | 16.38% | 1.04% | 0.50% | 54.58% |
| December 31, 2025 | 16.28% | 0.96% | 0.58% | 55.80% |
| September 30, 2025 | 16.58% | 1.39% | 0.64% | 56.45% |
| June 30, 2025 | 16.32% | 1.05% | 0.57% | 55.90% |
| March 31, 2025 | 16.24% | 0.67% | 0.51% | 56.26% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.