Reed Credit Union Houston, Texas
Reed Credit Union is a state-chartered credit union headquartered in Houston, TX (NCUA charter 67486), and it is regulated and insured by the NCUA. At Q2 2026 it reported 937 members and total assets of $15.7M (down 3.4% from Q2 2025), the 271st largest of 377 credit unions headquartered in Texas. Its net worth ratio was 17.51% at Q2 2026, in the well capitalized band.
Also written as Reed CU
BankRegReports is independent of Reed Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67486
- Headquarters
- Houston, TX
- Established
- Not reported
- Total assets, Q2 2026
- $15.7M
- Assets vs Q2 2025
- -3.4%
- Members, Q2 2026
- 937
- Net worth ratio, Q2 2026
- 17.51%
- Latest call report
- Q2 2026, NCUA 5300 · Reed Credit Union call report
- Asset rank in state
- 271st of 377 in Texas
- Routing number
- 313084470
- Branches
- 1
It has 84 fewer members than on June 30, 2025 (-8.2%). Its net worth ratio was up 0.80 percentage points from 16.71% on June 30, 2025. New vehicle loans are its largest loan category, $898K of $1.8M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Reed Credit Union
How big is Reed Credit Union?
At Q2 2026 it reported total assets of $15.7M and 937 members.
Where is Reed Credit Union headquartered?
It is headquartered in Houston, TX, United States.
Is Reed Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67486): 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 Reed Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Reed Credit Union well capitalized?
Its net worth ratio was 17.51% 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 Reed Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 14.11% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77029
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67486
- RSSD ID
- 866596
- Members
- 937
- Potential members
- 2,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.51% | 14.31% | 66th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.05% | 0.72% | 23rd bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.27% | 4.74% | 23rd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.96% | 3.93% | 16th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 98.46% | 79.83% | 17th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.14% | 0.78% | 30th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.10% | 4.70% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 14.11% | 58.92% | 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
$15.7M total assets against $16.2M; $12.9M total shares and deposits against $13.5M; $1.8M total loans against $2.3M.
$2.7M net worth against $2.7M.
17.51% net worth ratio against 16.71%.
14.11% loan-to-share ratio against 17.33%.
0.05% return on assets against 0.39%; 0.27% return on equity against 2.34%.
2.96% net interest margin against 3.01%.
937 members against 1,021.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.51% | 0.05% | — | 14.11% |
| March 31, 2026 | 18.00% | 0.08% | 2.05% | 16.65% |
| December 31, 2025 | 17.94% | 0.21% | 3.65% | 16.20% |
| September 30, 2025 | 17.89% | 0.57% | 2.01% | 17.02% |
| June 30, 2025 | 16.71% | 0.39% | 2.19% | 17.33% |
| March 31, 2025 | 16.60% | 0.70% | 2.11% | 19.49% |
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.