Sep, 30, 2025 — HOUSTON FEDERAL CREDIT UNION is a federal credit union headquartered in SUGAR LAND, TX with 12 branch locations and about $952.92 million in total assets. Opened 66 years ago in 1960, HOUSTON FEDERAL CREDIT UNION has about 60,366 members and employs 191 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HOUSTON FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 16320 Kensington Dr SUGAR LAND, TX 77479-4097 |
| Phone: | (281) 243-0500 |
| Fax: | (281) 243-0787 |
| Website: | https://www.houstonfcu.org |
| Branches: | 12 branch locations |
| Members: | 60,366 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14091 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1960 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $952,923,383 |
| CEO/Manager: | Chris Choat |
| Chairperson: | Brent Holloway |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 145,205,186 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 267,060,873 |
| Unsecured Loans | 33,641,412 |
| Other Loans | 228,117,205 |
| TOTAL LOANS | 538,529,736 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,322,995 |
| Land And Building | 18,042,928 |
| Other Fixed Assets | 9,543,033 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 7,753,404 |
| All Other Assets | 750,062 |
| TOTAL ASSETS | 952,923,383 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,940,862 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 20,467,467 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 162,464,113 |
| Regular shares | 249,911,997 |
| All Other Shares & Deposits | 432,608,397 |
| TOTAL SHARES & DEPOSITS | 844,984,507 |
| TOTAL LIABILITIES | 868,392,836 |
| Regular Reserve | 0 |
| Other Reserves | 3,821,276 |
| Undivided Earnings | 80,709,271 |
| TOTAL EQUITY | 84,530,547 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 952,923,383 |
| INCOME & EXPENSE | |
| Loan Income | 24,732,520 |
| Investment Income | 12,035,053 |
| Other Income | 3,615,783 |
| Total Employee Compensation & Benefits | 13,913,627 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 12,405,816 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,758,261 |
| Cost of Funds | 14,891,121 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,301,639 |
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