How many credit unions are in Texas?

There are 386 federally insured credit unions in Texas according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $169.8B in assets and serve 11.0M members.

What is the average net worth ratio for credit unions in Texas?

The average net worth ratio for credit unions in Texas is 15.8%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.

Which is the largest credit union in Texas?

The largest credit union in Texas by total assets is RANDOLPH-BROOKS with $19.2B in assets. You can view full details, branch locations, and financial health data on its individual profile page.

Credit Unions in Texas

386 federally insured credit unions — NCUA Q4 2025 data

Credit Unions

386

Federally insured in Texas

Total Members

11.0M

Combined membership

Total Assets

$169.8B

Combined industry assets

Avg Net Worth Ratio

15.8%

Well-capitalized threshold: 7%

Cities in Texas

Select a city to browse local credit unions

Houston44 credit unionsAUSTIN17 credit unionsSan Antonio15 credit unionsDallas15 credit unionsFort Worth12 credit unionsWACO10 credit unionsAmarillo9 credit unionsCORPUS CHRISTI9 credit unionsBEAUMONT8 credit unionsTEXARKANA7 credit unionsTYLER7 credit unionsEl Paso6 credit unionsWichita Falls6 credit unionsSAN ANGELO6 credit unionsPasadena6 credit unionsAbilene6 credit unionsODESSA6 credit unionsMidland5 credit unionsDeer Park4 credit unionsVICTORIA4 credit unionsLubbock4 credit unionsLongview4 credit unionsLaredo4 credit unionsSugar Land4 credit unionsLufkin4 credit unionsARLINGTON4 credit unionsPalestine3 credit unionsBIG SPRING3 credit unionsPampa3 credit unionsMCALLEN3 credit unionsHUMBLE3 credit unionsIrving3 credit unionsParis3 credit unionsTemple3 credit unionsBrownsville2 credit unionsKerrville2 credit unionsWharton2 credit unionsTexas City2 credit unionsDumas2 credit unionsRichardson2 credit unionsLa Porte2 credit unionsPort Arthur2 credit unionsPort Neches2 credit unionsGroves2 credit unionsRUSK2 credit unionsEdna2 credit unionsKILLEEN2 credit unionsHuntsville2 credit unionsPlainview2 credit unionsAlvin2 credit unionsFarmers Branch2 credit unionsBAY CITY2 credit unionsGRAND PRAIRIE2 credit unionsBONHAM2 credit unionsDel Rio2 credit unionsBROWNWOOD2 credit unionsPlano2 credit unionsCorsicana2 credit unionsWhite Oak1 credit unionHereford1 credit unionKINGSVILLE1 credit unionBorger1 credit unionHallettsville1 credit unionMARSHALL1 credit unionOrange1 credit unionPREMONT1 credit unionSeagoville1 credit unionSweeny1 credit unionPLAINS1 credit unionDiboll1 credit unionBISHOP1 credit unionDENVER CITY1 credit unionUNIVERSAL CITY1 credit unionMcGregor1 credit unionFriona1 credit unionYANTIS1 credit unionSNYDER1 credit unionAndrews1 credit unionPharr1 credit unionGainesville1 credit unionSweetwater1 credit unionSHERMAN1 credit unionSinton1 credit unionMineral Wells1 credit unionGalveston1 credit unionBridge City1 credit unionPortland1 credit unionWAXAHACHIE1 credit unionLittlefield1 credit unionRefugio1 credit unionBeeville1 credit unionAlba1 credit unionlefors1 credit unionBrownfield1 credit unionLiberty1 credit unionMORTON1 credit unionLa Joya1 credit unionGRAND SALINE1 credit unionBelton1 credit unionLenexa1 credit unionWINDTHORST1 credit unionLAMESA1 credit unionSeminole1 credit unionKenedy1 credit unionRio Grande City1 credit unionNURSERY1 credit unionPort Lavaca1 credit unionPerryton1 credit unionRockdale1 credit unionPearsall1 credit unionVidor1 credit unionCarrollton1 credit unionskellytown1 credit unionATLANTA1 credit unionLeague City1 credit unionPecos1 credit unionHarlingen1 credit unionNacogdoches1 credit unionAllen1 credit unionKaty1 credit unionEdinburg1 credit unionTomball1 credit unionBrenham1 credit unionCollege Station1 credit unionMexia1 credit unionDickinson1 credit unionMesquite1 credit unionSLATON1 credit unionGARLAND1 credit unionBryan1 credit unionLevelland1 credit unionDENTON1 credit unionAngleton1 credit unionGARWOOD1 credit unionGreenville1 credit unionCleburne1 credit unionKermit1 credit unionTeague1 credit unionAlpine1 credit unionlancaster1 credit unionBaytown1 credit unionMansfield1 credit unionBedford1 credit unionHaslet1 credit unionNederland1 credit unionEvadale1 credit union

Top 10 Credit Unions in Texas

Ranked by total assets — Q4 2025

Rank	Name	Total Assets	Members	Health
#1	RANDOLPH-BROOKS	$19.2B	1.1M	A
#2	SECURITY SERVICE	$14.2B	738K	A
#3	AMERICAN AIRLINES	$9.3B	385K	A+
#4	COMMUNITYAMERICA	$8.7B	617K	B+
#5	TEXAS DOW EMPLOYEES	$5.0B	397K	B
#6	RALLY	$4.7B	239K	A+
#7	EECU	$4.6B	303K	A+
#8	GECU	$4.6B	442K	A
#9	CREDIT HUMAN	$4.5B	263K	B+
#10	UNIVERSITY	$4.2B	418K	A

Financially Strongest Credit Unions in Texas

Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold

61.3%NW Ratio

B. P. S.

$2.9M in assets

49.5%NW Ratio

HERITAGE HUB

$164K in assets

44.3%NW Ratio

SOUTHERN

$76.1M in assets

44.0%NW Ratio

SALT EMPLOYEES

$1.5M in assets

41.4%NW Ratio

NAVARRO

$2.8M in assets

Credit Unions with Low Net Worth Ratios in Texas

The following credit unions have a net worth ratio below 5%, which is below the NCUA's “adequately capitalized” threshold of 6%. This information is provided for educational purposes only. All listed institutions remain federally insured by the NCUA up to $250,000. Contact the credit union or visit NCUA.gov for the latest status.

4.4%NW Ratio

ALAMO CITY

$9.7M in assets

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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.