Sep, 30, 2025 — TEXAS BAY CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 9 branch locations and about $874.89 million in total assets. Opened 90 years ago in 1936, TEXAS BAY CREDIT UNION has about 60,104 members and employs 189 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TEXAS BAY CREDIT UNION |
|---|---|
| Address: (Main Office) | 12611 Fuqua St HOUSTON, TX 77034 |
| Phone: | (713) 852-6700 |
| Fax: | (281) 464-9230 |
| Website: | https://www.texasbaycu.org |
| Branches: | 9 branch locations |
| Members: | 60,104 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67465 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $874,892,055 |
| CEO/Manager: | Jesse Gutierrez |
| Chairperson: | Rudy Wright |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 37,800,397 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 267,511,973 |
| Unsecured Loans | 110,515,315 |
| Other Loans | 305,011,311 |
| TOTAL LOANS | 683,038,599 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -10,953,480 |
| Land And Building | 23,673,804 |
| Other Fixed Assets | 2,873,328 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,518,625 |
| All Other Assets | 735,594 |
| TOTAL ASSETS | 874,892,055 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 18,002 |
| Notes & Interest Payable | 73,246,385 |
| Accounts Payable & Other Liabilities | 10,344,225 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 5,000,000 |
| Share Drafts | 119,636,490 |
| Regular shares | 172,115,704 |
| All Other Shares & Deposits | 434,311,233 |
| TOTAL SHARES & DEPOSITS | 726,063,426 |
| TOTAL LIABILITIES | 814,672,038 |
| Regular Reserve | 0 |
| Other Reserves | 1,246,073 |
| Undivided Earnings | 58,973,944 |
| TOTAL EQUITY | 60,220,017 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 874,892,055 |
| INCOME & EXPENSE | |
| Loan Income | 34,131,087 |
| Investment Income | 5,581,966 |
| Other Income | 5,351,514 |
| Total Employee Compensation & Benefits | 12,121,792 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 16,412,737 |
| Non-operating Income & (Expense) | 12,602 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,751,500 |
| Cost of Funds | 15,328,092 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,440,318 |
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