Credit Union Safety Analysis
Is Smart Financial Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, Smart Financial Credit Union has a net worth ratio of 11.84%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.16%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Smart Financial Credit Union's net worth ratio is 11.84%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.84%
- Delinquency ratio (60+ days) (Q2 2026): 1.16%
- Return on assets (Q2 2026): 1.01%
- Loan-to-share ratio (Q2 2026): 83.65%
Smart Financial Credit Union (NCUA charter 67927) reported $807.5M in assets and 58,661 members for Q2 2026 from Houston, Texas. It ranks 47 of 377 credit unions in Texas by total assets. Total assets grew 0.6% from $802.3M on June 30, 2025. It has 873 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 1.02 percentage points from 10.82% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $199.4M of $586.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.16% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.61% for Q1 2026; 10.82% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.00% for Q1 2026; 1.20% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.40% for Q1 2026; 0.57% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 83.32% for Q1 2026; 81.29% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $199.4M
- Commercial loans: $130.1M
- Used vehicle loans: $129.8M
- Other unsecured loans and lines of credit: $79.4M
- New vehicle loans: $43.6M
- Other secured non-real estate loans and lines of credit: $3.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $807.5M | 11.84% | 1.16% | 1.01% | 83.65% |
| March 31, 2026 | $805.8M | 11.61% | 1.00% | 1.40% | 83.32% |
| December 31, 2025 | $803.5M | 11.29% | 1.96% | 1.63% | 81.52% |
| September 30, 2025 | $800.6M | 11.04% | 1.58% | 0.79% | 81.36% |
| June 30, 2025 | $802.3M | 10.82% | 1.20% | 0.57% | 81.29% |
| March 31, 2025 | $802.2M | 10.68% | 1.20% | 0.73% | 78.23% |
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Free to use. It shows Smart Financial Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Smart Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 67927) · FFIEC NIC profile (RSSD 787691)
Frequently asked questions
Is Smart Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Smart Financial Credit Union's net worth ratio is 11.84%, above the 7% NCUA threshold for well capitalized.
Is Smart Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Smart Financial Credit Union is a federally insured credit union (NCUA charter 67927): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Smart Financial Credit Union's key safety ratios?
For Q2 2026, Smart Financial Credit Union reports net worth 11.84%, delinquency 1.16%, ROA 1.01%, loan-to-share 83.65%.
What happens to my money if Smart Financial Credit Union fails?
For Q2 2026, Smart Financial Credit Union held $700.6M in shares and deposits for 58,661 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.