Cy-Fair Federal Credit Union
Total assets
$387.3M
▲ +3.9% YoY
Shares & deposits
$351.0M
▲ +3.1% YoY
Loans
$241.9M
▼ -4.6% YoY
Members
25,878
▲ +2.1% YoY
ROA (annualized)
1.50%
peers 0.69%
ROE (annualized)
16.43%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | -4.5% | +2.9% | -7.5 pts |
| ROA | 1.50% | 0.69% | +0.8 pts |
| ROE | 16.4% | 5.9% | +10.5 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 9601 Jones Rd, Suite 200, Houston, TX, 77065
- NCUA charter #
- 11452
- RSSD ID
- 735580
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $387.3M | $351.0M | $241.9M | $35.3M | $1.4M | 1.50% | 4.54% | 0.97% | 25,878 |
| Q4 2025 | $383.5M | $348.6M | $246.4M | $33.8M | $1.7M | 0.44% | 3.68% | 1.15% | 26,076 |
| Q3 2025 | $375.5M | $341.0M | $248.6M | $33.7M | $1.4M | 0.51% | 3.67% | 0.68% | 25,185 |
| Q2 2025 | $368.9M | $336.4M | $250.3M | $33.2M | $928K | 0.50% | 3.72% | 0.77% | 25,205 |
| Q1 2025 | $372.9M | $340.4M | $253.4M | $32.8M | $535K | 0.57% | 3.63% | 0.66% | 25,351 |
| Q4 2024 | $362.0M | $331.0M | $257.1M | $32.3M | $1.2M | 0.34% | 3.58% | 0.71% | 25,421 |
| Q3 2024 | $356.9M | $325.1M | $252.2M | $32.2M | $1.0M | 0.38% | 3.58% | 0.77% | 25,124 |
| Q2 2024 | $344.7M | $312.3M | $241.6M | $32.0M | $820K | 0.48% | 3.65% | 0.52% | 24,974 |
Loan mix (Q1 2026): real estate $116.9M · commercial $648K · consumer $108.3M · securities $84.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.62% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 78.7% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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