Texas Dow Employees Credit Union Houston, Texas
Texas Dow Employees Credit Union is a state-chartered credit union headquartered in Houston, TX, established in 1954 (NCUA charter 60705), and it is regulated and insured by the NCUA. At Q2 2026 it reported 403,290 members and total assets of $5.02B (up 3.1% from Q2 2025), the 4th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.17% at Q2 2026, in the well capitalized band.
Also written as Texas Dow Employees CU
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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
- 60705
- Headquarters
- Houston, TX
- Established
- 1954
- Total assets, Q2 2026
- $5.02B
- Assets vs Q2 2025
- +3.1%
- Members, Q2 2026
- 403,290
- Net worth ratio, Q2 2026
- 10.17%
- Latest call report
- Q2 2026, NCUA 5300 · Texas Dow Employees Credit Union call report
- Asset rank in state
- 4th of 377 in Texas
- Routing number
- 313185515
- Branches
- 34
It has 3,640 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.06 percentage points from 10.11% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.23B of $4.38B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.77% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.17% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Texas
Credit unions merged into Texas Dow Employees Credit Union
Space City Credit Union (2025) · Orange County Teachers Credit Union (2020) · TCC Credit Union (2015) · FMC Technologies Federal Credit Union (2014)
Frequently asked about Texas Dow Employees Credit Union
How big is Texas Dow Employees Credit Union?
At Q2 2026 it reported total assets of $5.02B and 403,290 members.
Where is Texas Dow Employees Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was Texas Dow Employees Credit Union founded?
It was established in 1954, per NCUA records.
Is Texas Dow Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60705): 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 Texas Dow Employees 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 Texas Dow Employees Credit Union well capitalized?
Its net worth ratio was 10.17% 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 Texas Dow Employees Credit Union's delinquency ratio?
Its delinquency ratio was 1.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Texas Dow Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 108.32% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77056
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 60705
- RSSD ID
- 434593
- Members
- 403,290
- Potential members
- 31,572,300
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 1 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% | 10.17% | 10.89% | 33rd below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.61% | 0.89% | 27th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.00% | 8.07% | 31st below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.40% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 74.00% | 70.59% | 37th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.58% | 1.68% | 59th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.77% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.98% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 108.32% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.02B total assets against $4.87B; $4.04B total shares and deposits against $4.05B; $4.38B total loans against $4.36B.
$510.7M net worth against $492.4M.
10.17% net worth ratio against 10.11%.
108.32% loan-to-share ratio against 107.61%.
1.77% delinquency ratio against 2.85%.
0.61% return on assets against 0.80%; 6.00% return on equity against 7.89%.
4.40% net interest margin against 4.09%.
403,290 members against 399,650.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.17% | 0.61% | 1.77% | 108.32% |
| March 31, 2026 | 9.86% | 0.43% | 1.50% | 106.46% |
| December 31, 2025 | 9.87% | -0.13% | 2.21% | 111.06% |
| September 30, 2025 | 10.25% | 0.80% | 2.56% | 111.58% |
| June 30, 2025 | 10.11% | 0.80% | 2.85% | 107.61% |
| March 31, 2025 | 9.91% | 0.00% | 2.01% | 104.41% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.