Charter 67465 · Houston, TX
Texas Bay Credit Union
Texas Bay Credit Union is a state-chartered credit union in Houston, Texas, with $905 million in assets and 59,863 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 7.49%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as Texas Bay Area Credit Union.
- Total assets
- $905 million
- +3.6% in a year
- Members
- 59,863
- -1.2% in a year
- Net worth ratio
- 7.49%
- Peer median 10.79%
- Loans 60+ days late
- 0.55%
- Peer median 0.67%
- Loans outstanding
- $711 million
- +6.2% in a year
- Shares and deposits
- $763 million
- +4.0% in a year
- Branches
- 9
- 185 employees
- Opened
- 1936
- Texas charter
How Texas Bay Credit Union compares
NCUA groups credit unions by size; Texas Bay Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 7.49% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.55%, is lower than the group median of 0.67%. Loans grew 6.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 43 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 | $905 million | 59,863 | $711 million | 7.49% | 0.55% |
| Q1 2026 | $902 million | 61,095 | $682 million | 7.65% | 0.64% |
| Q4 2025 | $891 million | 60,529 | $682 million | 7.70% | 0.67% |
| Q3 2025 | $875 million | 60,104 | $683 million | 7.57% | 0.87% |
| Q2 2025 | $873 million | 60,598 | $669 million | 7.57% | 0.79% |
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 2.4 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 10 sites for Texas Bay Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main (main office)
12611 Fuqua St, Houston, TX 77034 - Pasadena
1301 W Pasadena Fwy, Pasadena, TX 77506 - Summerwood
12310 W Lake Houston Parkway, Houston, TX 77044 - League City
6640 S. Shore Blvd, League City, TX 77573 - Cypress
9212 Fry Road # 100, Cypress, TX 77433 - Katy
4747 Fm 1463 Rd Ste 1000, Katy, TX 77494 - Richmond
18320 W Airport Blv, Richmond, TX 77407 - North Shore New
15763 Wallisville Rd, Houston, TX 77049 - Pearland
11555 Magnolia Parkway, Pearland, TX 77584 - Featherwood
12650 N Featherwood Dr, Houston, TX 77034
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