SMART FINANCIAL
State-Chartered • Houston, Texas • Est. 1934
Quick Facts
- Charter Number
- #67927
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- Houston, Texas 77292
- Address
- PO Box 920719
- Branches
- 12
- ATMs
- 14
- Members
- 59,731
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
59,731 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMART FINANCIAL |
|---|---|
| Total Assets | $803.5M |
| Members | 59,731 |
| Loans Outstanding | $568.2M |
| Shares & Deposits | $697.0M |
| Net Worth | $90.8M |
| Net Worth Ratio | 11.29% |
| Loan-to-Share Ratio | 81.5% |
| Delinquency Rate | 1.96% |
| Net Income | +$16,216,521 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
12 locations · 14 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.
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View Texas RankingsFrequently Asked Questions
Yes. SMART FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SMART FINANCIAL has 59,731 members and a potential membership field of 6,966,973 people.
SMART FINANCIAL's net worth ratio is 11.29% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, SMART FINANCIAL meets this threshold.
SMART FINANCIAL operates 12 branch locations and has access to 14 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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SMART FINANCIAL. All financial data is for informational purposes only.