| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Houston Bank & Trust Houston, TX | Bank | Houston-The Woodlands-Sugar Land, TX | $38.5M | 9840.95% |
| 2 | Heritage Hub Federal Credit Union Houston, TX | Credit Union | — | $72K | 6098.65% |
| 3 | Pampa Teachers Federal Credit Union Pampa, TX | Credit Union | — | $10.8M | 509.87% |
| 4 | Empowerment Community Development Federal Credit Union Houston, TX | Credit Union | — | $705K | 204.45% |
| 5 | Colonial Savings, F.A. Fort Worth, TX | Bank | Dallas-Fort Worth-Arlington, TX | $501.8M | 192.24% |
| 6 | Sp Trainmen Federal Credit Union Houston, TX | Credit Union | — | $2.7M | 168.77% |
| 7 | Scurry County School Federal Credit Union Snyder, TX | Credit Union | — | $12.4M | 160.97% |
| 8 | Our Mother Of Mercy Parish Houston Federal Credit Union |
| Credit Union |
| — |
| $2.9M |
| 148.04% |
| 9 | Transpecos Banks, SSB Pecos, TX | Bank | Pecos, TX | $972.1M | 146.40% |
| 10 | Friona Texas Federal Credit Union Friona, TX | Credit Union | — | $14.5M | 124.74% |
| 11 | Natural Resources Conservation Serv Federal Credit Union Fort Worth, TX | Credit Union | — | $5.3M | 123.41% |
| 12 | Sherwin Federal Credit Union Portland, TX | Credit Union | — | $7.0M | 120.30% |
| 13 | Littlefield School Employees Federal Credit Union Littlefield, TX | Credit Union | — | $1.0M | 119.58% |
| 14 | Brownfield Federal Credit Union Brownfield, TX | Credit Union | — | $11.4M | 119.42% |
| 15 | Tex Mex Credit Union Laredo, TX | Credit Union | — | $8.6M | 117.97% |
| 16 | Producer Bank of Texas Powell, TX | Bank | Corsicana, TX | $58.7M | 116.85% |
| 17 | The Granger National Bank Granger, TX | Bank | Austin-Round Rock-Georgetown, TX | $53.5M | 115.44% |
| 18 | Redeemer Federal Credit Union Plano, TX | Credit Union | — | $5.1M | 115.02% |
| 19 | First State Bank of San Diego San Diego, TX | Bank | Alice, TX | $68.2M | 114.73% |
| 20 | Intouch Credit Union Plano, TX | Credit Union | — | $824.2M | 114.63% |
| 21 | Southern Star Credit Union Houston, TX | Credit Union | — | $18.0M | 114.19% |
| 22 | Galveston Government Employees Credit Union Dickinson, TX | Credit Union | — | $6.9M | 112.83% |
| 23 | Belton Federal Credit Union Belton, TX | Credit Union | — | $4.3M | 111.91% |
| 24 | Sweetwater Regional Federal Credit Union Sweetwater, TX | Credit Union | — | $6.5M | 110.97% |
| 25 | Union Pacific Employees Credit Union Beaumont, TX | Credit Union | — | $3.9M | 110.31% |
| 26 | Select Federal Credit Union San Antonio, TX | Credit Union | — | $58.6M | 109.37% |
| 27 | Texas People Federal Credit Union Fort Worth, TX | Credit Union | — | $24.7M | 107.69% |
| 28 | Port Terminal Federal Credit Union Houston, TX | Credit Union | — | $9.2M | 107.24% |
| 29 | Hale County Teachers Federal Credit Union Plainview, TX | Credit Union | — | $10.8M | 107.15% |
| 30 | Highway District 19 Employees Credit Union Atlanta, TX | Credit Union | — | $7.1M | 106.72% |
| 31 | Fidelity Bank of Texas Waco, TX | Bank | Waco, TX | $162.8M | 106.28% |
| 32 | One Source Federal Credit Union El Paso, TX | Credit Union | — | $125.1M | 106.17% |
| 33 | Midwestern State University Credit Union Wichita Falls, TX | Credit Union | — | $4.8M | 106.11% |
| 34 | Port Arthur Community Federal Credit Union Port Arthur, TX | Credit Union | — | $20.2M | 105.79% |
| 35 | Salt Employees Federal Credit Union Grand Saline, TX | Credit Union | — | $1.5M | 105.77% |
| 36 | Avana Bank Abilene, TX | Bank | Abilene, TX | $39.6M | 105.50% |
| 37 | Agility Bank, National Association Houston, TX | Bank | Houston-The Woodlands-Sugar Land, TX | $151.6M | 105.38% |
| 38 | Del Rio S.P. Credit Union Del Rio, TX | Credit Union | — | $3.3M | 104.91% |
| 39 | Pilgrim Cucc Federal Credit Union Houston, TX | Credit Union | — | $1.0M | 104.65% |
| 40 | Commerce Bank Texas Stockdale, TX | Bank | San Antonio-New Braunfels, TX | $60.6M | 104.48% |
| 41 | Coastal Community Federal Credit Union Galveston, TX | Credit Union | — | $96.0M | 103.94% |
| 42 | Moore County Schools Federal Credit Union Dumas, TX | Credit Union | — | $5.2M | 103.00% |
| 43 | Corner Stone Credit Union Lancaster, TX | Credit Union | — | $20.6M | 101.66% |
| 44 | Cowboy Country Federal Credit Union Premont, TX | Credit Union | — | $17.3M | 101.25% |
| 45 | Victoria City-County Employees Federal Credit Union Victoria, TX | Credit Union | — | $7.2M | 100.37% |
| 46 | Texhillco School Employees Federal Credit Union Kerrville, TX | Credit Union | — | $27.1M | 100.14% |
| 47 | Musicians Federal Credit Union Arlington, TX | Credit Union | — | $599K | 100.08% |
| 48 | Education Credit Union Amarillo, TX | Credit Union | — | $474.0M | 100.06% |
| 49 | Alamo City Credit Union San Antonio, TX | Credit Union | — | $9.4M | 100.02% |
| 50 | Evolve Federal Credit Union El Paso, TX | Credit Union | — | $324.5M | 99.95% |