Harris County Federal Credit Union
Total assets
$222.5M
▲ +4.4% YoY
Shares & deposits
$170.6M
▲ +2.6% YoY
Loans
$110.5M
▼ -6.3% YoY
Members
20,015
▲ +3.2% YoY
ROA (annualized)
1.84%
peers 0.69%
ROE (annualized)
8.17%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +2.6% | +3.3% | -0.7 pts |
| Loan growth (YoY) | -6.3% | +2.9% | -9.3 pts |
| ROA | 1.84% | 0.69% | +1.1 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1400 Franklin St, Houston, TX, 77002
- NCUA charter #
- 7552
- RSSD ID
- 311881
- 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 | $222.5M | $170.6M | $110.5M | $50.1M | $1.0M | 1.84% | 4.20% | 1.65% | 20,015 |
| Q4 2025 | $218.0M | $168.7M | $113.4M | $49.1M | $4.1M | 1.90% | 4.21% | 1.63% | 19,913 |
| Q3 2025 | $215.5M | $166.9M | $115.3M | $48.0M | $3.0M | 1.86% | 4.17% | 1.70% | 19,731 |
| Q2 2025 | $213.5M | $166.0M | $116.5M | $46.9M | $2.5M | 2.36% | 4.14% | 1.26% | 19,577 |
| Q1 2025 | $213.2M | $166.3M | $118.0M | $46.0M | $1.0M | 1.93% | 4.13% | 1.27% | 19,401 |
| Q4 2024 | $208.4M | $162.6M | $120.4M | $45.0M | $3.5M | 1.70% | 4.05% | 1.20% | 19,270 |
| Q3 2024 | $208.5M | $164.6M | $120.9M | $44.0M | $2.6M | 1.64% | 3.94% | 1.19% | 19,157 |
| Q2 2024 | $208.0M | $163.4M | $120.2M | $43.0M | $1.6M | 1.52% | 3.85% | 1.23% | 18,840 |
Loan mix (Q1 2026): real estate $27.4M · commercial $0 · consumer $78.6M · securities $49.7M
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 | 1.84% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.62% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 78.7% | 4th | |
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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