United Community Credit Union Houston, Texas
United Community Credit Union is a state-chartered credit union headquartered in Houston, TX, established in 1950 (NCUA charter 68369), and it is regulated and insured by the NCUA. At Q2 2026 it reported 13,473 members and total assets of $127.9M (down 1.0% from Q2 2025), the 128th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.03% at Q2 2026, in the well capitalized band.
Also written as United Community 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
- 68369
- Headquarters
- Houston, TX
- Established
- 1950
- Total assets, Q2 2026
- $127.9M
- Assets vs Q2 2025
- -1.0%
- Members, Q2 2026
- 13,473
- Net worth ratio, Q2 2026
- 12.03%
- Latest call report
- Q2 2026, NCUA 5300 · United Community Credit Union call report
- Asset rank in state
- 128th of 377 in Texas
- Routing number
- 313082171
- Branches
- 4
It has 143 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.91 percentage points from 11.12% on June 30, 2025. Used vehicle loans are its largest loan category, $44.5M of $90.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.05% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.03% net worth ratio is above that band's 11.43% median.
Frequently asked about United Community Credit Union
How big is United Community Credit Union?
At Q2 2026 it reported total assets of $127.9M and 13,473 members.
Where is United Community Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was United Community Credit Union founded?
It was established in 1950, per NCUA records.
Is United Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68369): 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 United Community 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 United Community Credit Union well capitalized?
Its net worth ratio was 12.03% 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 United Community Credit Union's delinquency ratio?
Its delinquency ratio was 1.05% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77044
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 68369
- RSSD ID
- 682086
- Members
- 13,473
- Potential members
- 120,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.03% | 11.43% | 57th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.91% | 0.81% | 56th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.59% | 7.02% | 55th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.81% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.75% | 76.55% | 38th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.73% | 1.24% | 85th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.05% | 0.68% | 29th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.53% | 4.92% | 80th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.14% | 75.66% | 60th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$127.9M total assets against $129.3M; $112.6M total shares and deposits against $115.3M; $90.2M total loans against $90.8M.
$15.4M net worth against $14.4M.
12.03% net worth ratio against 11.12%.
80.14% loan-to-share ratio against 78.69%.
1.05% delinquency ratio against 0.70%.
0.91% return on assets against 0.50%; 7.59% return on equity against 4.48%.
4.81% net interest margin against 4.52%.
13,473 members against 13,330.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.03% | 0.91% | 1.05% | 80.14% |
| March 31, 2026 | 11.89% | 0.94% | 0.98% | 78.58% |
| December 31, 2025 | 11.88% | 0.85% | 1.40% | 83.62% |
| September 30, 2025 | 11.51% | 0.50% | 1.21% | 80.83% |
| June 30, 2025 | 11.12% | 0.50% | 0.70% | 78.69% |
| March 31, 2025 | 11.08% | 0.52% | 1.62% | 79.39% |
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.
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.