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Texas Credit Union Performance
How the 380 credit unions based in Texas are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Texas's 380 credit unions serve 10,471,964 members and hold $162.78B in combined assets. The median Texas credit union earned a 0.57% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Texas credit unions was -0.58%, compared with -0.55% nationally. Median one-year asset growth was 2.35%, compared with 2.78% nationally. So far this year, one Texas credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Texas at a glance
Texas vs. the United States
System totals are the sum of every credit union in Texas. The share column is Texas' portion of the national figure.
| Measure | Texas | United States | Texas share |
|---|---|---|---|
| Credit unions | 380 | 4,335 | 8.8% |
| Members | 10,471,964 | 147,031,529 | 7.1% |
| Residents (population) | 31,290,831 | 340,110,988 | 9.2% |
| Total assets | $162.78B | $2,507.50B | 6.5% |
| Total loans | $114.96B | $1,744.86B | 6.6% |
| Total shares & deposits | $136.19B | $2,143.21B | 6.4% |
| Total net worth | $19.29B | $282.23B | 6.8% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Texas credit unions report about 33 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Texas credit unions serve members in other states, so it overstates true in-state penetration.)
The median Texas credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Texas CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.57% | 0.66% |
| Net worth ratio | 13.47% | 12.44% |
| Loan-to-share ratio | 70.42% | 67.86% |
| Delinquency ratio | 0.62% | 0.63% |
| Net charge-off ratio | 0.48% | 0.33% |
| Cost of funds | 1.05% | 1.05% |
| Member growth (1 yr) | -0.58% | -0.55% |
| Asset growth (1 yr) | 2.35% | 2.78% |
| Loan growth (1 yr) | -0.78% | 0.63% |
| Share growth (1 yr) | 1.59% | 2.36% |
| Net worth growth (1 yr) | 4.24% | 5.57% |
Trends over time
The median Texas credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.66% · 0.72%
— Texas ‑‑ U.S.
Net worth ratio 13.53% · 12.46%
— Texas ‑‑ U.S.
Loan-to-share ratio 72.57% · 69.70%
— Texas ‑‑ U.S.
Delinquency ratio 0.71% · 0.72%
— Texas ‑‑ U.S.
Asset growth (1 yr) 2.66% · 3.26%
— Texas ‑‑ U.S.
Member growth (1 yr) -0.26% · -0.52%
— Texas ‑‑ U.S.
Texas leaderboards
Largest by assets
- 1 Randolph-Brooks Credit Union $19.19B
- 2 Security Service Credit Union $14.21B
- 3 American Airlines Credit Union $9.45B
- 4 Texas Dow Employees Credit Union $5.10B
- 5 Navy Army Credit Union $4.77B
- 6 Educational Employees Credit Union $4.76B
- 7 GECU $4.66B
- 8 San Antonio Credit Union $4.38B
- 9 University Credit Union $4.27B
- 10 First Community CU of Houston Credit Union $2.96B
Highest return on assets
- 1 BIG Spring Education Employees Credit Union 3.17%
- 2 Bvac Credit Union 2.51%
- 3 Baycel Credit Union 2.43%
- 4 Caprock Santa Fe Credit Union 2.42%
- 5 Winkler County Credit Union 2.30%
- 6 Educators Credit Union 2.28%
- 7 Neches Credit Union 2.22%
- 8 Scott and White Employees Credit Union 2.20%
- 9 Domino Credit Union 2.06%
- 10 Fort Worth City Credit Union 1.98%
Fastest-growing (organic)
- 1 Texas Plains Credit Union 71.14%
- 2 Freestone Credit Union 14.69%
- 3 Neches Credit Union 14.03%
- 4 Mobiloil Credit Union 13.74%
- 5 Nizari Progressive Credit Union 13.02%
- 6 Winkler County Credit Union 12.87%
- 7 Associated Credit Union of Texas 11.43%
- 8 Educational Employees Credit Union 11.42%
- 9 MemberSource Credit Union 11.39%
- 10 Texoma Community Credit Union 10.26%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Texas that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.