Charter 67927 · Houston, TX
Smart Financial Credit Union
Smart Financial Credit Union is a state-chartered credit union in Houston, Texas, with $808 million in assets and 58,661 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.84%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $808 million
- +0.6% in a year
- Members
- 58,661
- -1.5% in a year
- Net worth ratio
- 11.84%
- Peer median 10.79%
- Loans 60+ days late
- 1.16%
- Peer median 0.67%
- Loans outstanding
- $586 million
- +3.3% in a year
- Shares and deposits
- $701 million
- +0.4% in a year
- Branches
- 12
- 195 employees
- Opened
- 1934
- Texas charter
How Smart Financial Credit Union compares
NCUA groups credit unions by size; Smart Financial Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.84% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.16%, is higher than the group median of 0.67%. Loans grew 3.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 47 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $808 million | 58,661 | $586 million | 11.84% | 1.16% |
| Q1 2026 | $806 million | 59,807 | $584 million | 11.61% | 1.00% |
| Q4 2025 | $804 million | 59,731 | $568 million | 11.29% | 1.96% |
| Q3 2025 | $801 million | 59,542 | $565 million | 11.04% | 1.58% |
| Q2 2025 | $802 million | 59,534 | $567 million | 10.82% | 1.20% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 7.0 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for Smart Financial Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Wayside
4411 S Wayside Dr, Houston, TX 77087 - Conroe
3201 W Davis St, Conroe, TX 77304 - FM 1960
520 Fm 1960 Rd, Houston, TX 77073 - Sugar Land
9810 Highway 90A, Sugar Land, TX 77478 - Northloop
2510 North Loop W, Houston, TX 77092 - Main Office (main office)
6051 N Course Dr, Houston, TX 77072 - Lamar
3325 Westheimer Rd # B101, Houston, TX 77098 - Spring Marketplace
7206 N Grand Pkwy W, Spring, TX 77379 - Pearland
3060 Kirby Dr, Pearland, TX 77584 - Kingwood
4529 Kingwood Dr Ste 100, Kingwood, TX 77345 - Woodlands
26515 Interstate 45, Spring, TX 77380 - Magnolia
6311 Fm 1488 Rd Ste A, Magnolia, TX 77354
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology