SMART FINANCIAL
State-Chartered • Houston, Texas • Est. 1934
Quick Facts
- Charter Number
- #67927
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- Houston, Texas 77072-1667
- Address
- 6051 N Course Dr
- Branches
- 12
- ATMs
- 13
- Members
- 59,807
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
59,807 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMART FINANCIAL |
|---|---|
| Total Assets | $805.8M |
| Members | 59,807 |
| Loans Outstanding | $583.6M |
| Shares & Deposits | $700.5M |
| Net Worth | $93.6M |
| Net Worth Ratio | 11.61% |
| Loan-to-Share Ratio | 83.3% |
| Delinquency Rate | 1.00% |
| Net Income | +$2,812,706 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
12 locations · 13 ATMs
Wayside
4411 S Wayside Dr
Houston, TX 77087-1109
Conroe
3201 W Davis St
Conroe, TX 77304-2039
FM 1960
520 FM 1960 Rd
Houston, TX 77073-1908
Sugar Land
9810 Highway 90A
Sugar Land, TX 77478-3124
Northloop
2510 North Loop W
Houston, TX 77092-8901
Who Can Join SMART FINANCIAL?
Membership Type: Community
Membership eligibility for SMART FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact SMART FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
SMART FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SMART FINANCIAL has 59,807 members and a potential membership field of 6,966,973 people.
SMART FINANCIAL's reported net worth ratio is 11.61% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SMART FINANCIAL operates 12 branch locations and has access to 13 ATMs. The main office is located at 6051 N Course Dr, Houston, TX 77072-1667.
SMART FINANCIAL was established in 1934. It is a state-chartered credit union chartered under charter number 67927. The institution has been serving members for 92 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SMART FINANCIAL. All financial data is for informational purposes only.