States
Credit unions in Texas: the best and largest of 380, compared
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
All 380 filers based in Texas, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Texas: credit unions that match
380
| Their members | 10.40M |
| Their assets | $163.5B |
| First on this sort | Randolph-Brooks Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Randolph-Brooks Federal Credit Union (RBFCU)Live Oak | $19.6B | 1.15M | 13.42% | 1.27% | 70 | 3/5 |
| Security Service Federal Credit UnionSan Antonio | $14.4B | 721K | 11.26% | 1.03% | 71 | 3/5 |
| American Airlines Federal Credit UnionFort Worth | $9.50B | 375K | 11.68% | 0.60% | 45 | 4/5 |
| Texas Dow Employees Credit UnionHouston | $5.02B | 403K | 10.17% | 1.77% | 33 | 4/5 |
| EECU Credit UnionFort Worth | $4.88B | 307K | 12.70% | 0.45% | 22 | 5/5 |
| Rally Credit UnionCorpus Christi | $4.78B | 242K | 14.02% | 0.75% | 22 | 4/5 |
| GECU Federal Credit UnionEl Paso | $4.74B | 441K | 13.61% | 1.00% | 24 | 4/5 |
| Credit Human Federal Credit UnionSan Antonio | $4.34B | 259K | 7.35% | 1.09% | 28 | 4/5 |
| University Federal Credit Union (UFCU)Austin | $4.27B | 430K | 9.65% | 1.11% | 30 | 4/5 |
| First Community Credit UnionHouston | $3.07B | 190K | 7.98% | 0.39% | 16 | 5/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
380 credit unions based in Texas filed 10.40M members and $163.5B in assets with the National Credit Union Administration for June 30, 2026. Texas has 380 filers, more than any other state, 10.40M members and 38 institutions at $1 billion or more. Randolph-Brooks Federal Credit Union and Security Service Federal Credit Union are both in the San Antonio area, and American Airlines Federal Credit Union in Fort Worth says on its own page that it is open to people working in air transportation. Combined net worth, 12.02%, sits near the national 11.42%. Loans two months late or worse come to 0.94%, close to the national 0.96%. 4 of these filers carry no federal share insurance. 5 federally insured filers report net worth under the 7% line of the federal capital rule. The top three names hold 26.6% of assets, the 3rd lowest share. Vehicle loans weigh heavily, 39.0% of the book against 27.5% nationally, and Citizens Federal Credit Union goes furthest at 97.6%. Assets per member come to $15,728, the 14th lowest figure. Offices by city: Houston (138), San Antonio (105), Austin (79), El Paso (57), out of 357 places in 154 counties. Gone since last year: United Texas CU ($419M), Las Colinas FCU ($101M), Texoma FCU ($7.8M), Capital FCU ($6.6M), the largest of 9. Latest charter: Heritage Hub Federal Credit Union, 2025. The file does not say who may join any of them, or why a charter stopped filing.
What share of a state’s filers is federally insured?
Texas: federally insured
376 of 380
| Federal charter | 223 |
| State charter, federally insured | 153 |
| State charter, not federally insured | 4 |
Not federally insured means private or no share insurance: ask the credit union which.
Filings read by Radif Partners · Editorial policy · Method and sources
The longest list of all
With 190 filers under $50 million and 123 offices of outside credit unions, it is the hardest state to scan by hand; the filters above exist for this list. Sixty-nine carry the minority depository flag, the most of any state. Four are not federally insured and five sit under 7% on net worth. Navy Federal has 39 offices.
Highest net worth (over $100 million): Schlumberger Employees CU, 25.28%. Fewest late loans: Fort Worth City CU, 0.03%. Most branches: Security Service FCU, 71. Most members: Randolph-Brooks FCU, 1.15M. Largest member change: Alliance CU, +52.43%. Next by assets: Texas Dow Employees CU, EECU CU, Rally CU, GECU FCU, Credit Human FCU, University FCU. Smallest: Heritage Hub FCU, Paris District CU, Musicians FCU. Under 7% net worth: Soarion FCU, Local 20 IBEW FCU, Alamo City CU, Empowerment Community Development FCU and 1 more. Without federal insurance: Alliance CU, MCT CU, Investex CU, Eastex CU. Minority depository flag: Rally CU, GECU FCU, Firstlight FCU, Raiz FCU and 65 more. Largest outside presence: Navy FCU, from VA, 39 offices.
Citizens FCU (97.6%) leans most on vehicle loans, Star of Texas CU (77.4%) on first-lien home loans, Rio Grande Valley CU (12.2%) on cards. Oldest charters: Priority Trust CU, 1929; Postel Family CU, 1929; Neighborhood CU, 1930. Heart o' Texas FCU lost the most members in percentage terms, -30.76%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Texas | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 39.0% | 11th highest | 27.5% |
| First-lien home loans, share of loans | 33.3% | 23rd highest | 36.6% |
| Credit cards, share of loans | 3.2% | 14th highest | 4.9% |
| Commercial loans without real estate, share of loans | 0.3% | 3rd lowest | 0.8% |
| Loans as a share of shares and deposits | 85.6% | 16th highest | |
| Assets per member | $15,728 | 14th lowest | |
| Members per reported branch | 6,119 | 18th highest | |
| Members per employee (full- and part-time) | 372 | 20th highest | |
| Filers with one branch or none | 41.1% | 16th highest | |
| Three largest names, share of assets | 26.6% | 3rd lowest | |
| Fall in filer count over 12 months | 2.3% | 19th lowest | |
| Median year a charter opened | 1954 | 17th highest |
The largest in Texas
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Randolph-Brooks Federal Credit Union (RBFCU) | Live Oak | $19.6B | 1.15M | 13.42% | 1.27% | 70 | 3/5 |
| Security Service Federal Credit Union | San Antonio | $14.4B | 721K | 11.26% | 1.03% | 71 | 3/5 |
| American Airlines Federal Credit Union | Fort Worth | $9.50B | 375K | 11.68% | 0.60% | 45 | 4/5 |
| Texas Dow Employees Credit Union | Houston | $5.02B | 403K | 10.17% | 1.77% | 33 | 4/5 |
| EECU Credit Union | Fort Worth | $4.88B | 307K | 12.70% | 0.45% | 22 | 5/5 |
| Rally Credit Union | Corpus Christi | $4.78B | 242K | 14.02% | 0.75% | 22 | 4/5 |
| GECU Federal Credit Union | El Paso | $4.74B | 441K | 13.61% | 1.00% | 24 | 4/5 |
| Credit Human Federal Credit Union | San Antonio | $4.34B | 259K | 7.35% | 1.09% | 28 | 4/5 |
| University Federal Credit Union (UFCU) | Austin | $4.27B | 430K | 9.65% | 1.11% | 30 | 4/5 |
| First Community Credit Union | Houston | $3.07B | 190K | 7.98% | 0.39% | 16 | 5/5 |
| JSC Federal Credit Union (Wellby Financial) | Houston | $2.65B | 128K | 12.01% | 1.08% | 23 | 4/5 |
| Credit Union of Texas | Allen | $2.64B | 184K | 8.13% | 1.59% | 26 | 4/5 |
| A+ Federal Credit Union | Austin | $2.58B | 192K | 13.67% | 2.08% | 22 | 4/5 |
| Texans Credit Union | Richardson | $2.58B | 150K | 11.07% | 0.69% | 14 | 4/5 |
| Austin Telco Federal Credit Union (ATFCU Investment Advisors) | Austin | $2.54B | 94K | 14.04% | 0.35% | 24 | 5/5 |
| Advancial Federal Credit Union | Dallas | $2.39B | 143K | 7.98% | 1.33% | 16 | 4/5 |
| Texas Trust Credit Union | Arlington | $2.11B | 136K | 10.55% | 0.94% | 21 | 4/5 |
| Shell Federal Credit Union | Deer Park | $2.05B | 165K | 13.39% | 0.71% | 15 | 4/5 |
| Datcu Credit Union | Corinth | $1.79B | 113K | 17.19% | 0.13% | 15 | 5/5 |
| United Heritage Credit Union | Austin | $1.71B | 84K | 9.87% | 1.22% | 11 | 4/5 |
| Firstlight Federal Credit Union | El Paso | $1.63B | 97K | 10.33% | 0.48% | 11 | 4/5 |
| Red River Employees Federal Credit Union (Red River Credit Union) | Texarkana | $1.58B | 126K | 13.86% | 0.94% | 32 | 4/5 |
| First Service Credit Union (FSCU) | Houston | $1.50B | 109K | 10.94% | 0.62% | 14 | 5/5 |
| Amoco Federal Credit Union | Texas City | $1.49B | 96K | 9.20% | 0.93% | 11 | 3/5 |
| East Texas Professional Credit Union | Longview | $1.45B | 104K | 19.38% | 0.41% | 21 | 5/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Navy Federal Credit Union | VA | 39 | $204.4B | 11.65% |
| Pentagon Federal Credit Union | VA | 11 | $29.2B | 10.72% |
| Chevron Federal Credit Union | CA | 7 | $5.36B | 12.38% |
| Nusenda Federal Credit Union | NM | 5 | $5.02B | 9.20% |
| Premier America Credit Union | CA | 5 | $3.32B | 9.49% |
| Altra Federal Credit Union | WI | 4 | $3.14B | 12.68% |
| Eastman Credit Union | TN | 4 | $10.2B | 14.87% |
| Energy One Federal Credit Union | OK | 3 | $301M | 11.28% |
| CommunityAmerica Federal Credit Union | KS | 3 | $9.02B | 9.94% |
| Truwest Credit Union | AZ | 3 | $1.71B | 11.02% |
| Justice Federal Credit Union | VA | 2 | $1.14B | 12.12% |
| Truity Federal Credit Union | OK | 2 | $1.32B | 8.76% |
In figures
| Measure | Texas | Federally insured, US |
|---|---|---|
| Credit unions | 380 | 4,214 |
| Members | 10.40M | 146.11M |
| Assets | $163.5B | $2.50T |
| Net worth ratio | 12.02% | 11.42% |
| Delinquency | 0.94% | 0.96% |
| Same-charter members, 12 months | +0.74% | n/a |
| Same-charter assets, 12 months | +3.90% | n/a |
| Filers a year earlier | 389 | n/a |
| Federal charters | 223 | 2,649 |
| State charters | 157 | 1,650 |
| Minority depository flag | 69 | 454 |
Who can join
We read these rules on the credit union’s own page. American Airlines Federal Credit Union: Anyone working in the air transportation industry and their immediate family. (aacreditunion.org/membership, read on November 2, 2026) For every other name on this list, membership is not verified: confirm with the credit union. How to join sets out the steps.