Sep, 30, 2025 — SMART FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 12 branch locations and about $800.55 million in total assets. Opened 92 years ago in 1934, SMART FINANCIAL CREDIT UNION has about 59,542 members and employs 196 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SMART FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6051 N Course Dr HOUSTON, TX 77072-1667 |
| Phone: | (713) 850-1600 |
| Fax: | |
| Website: | https://www.smartcu.org |
| Branches: | 12 branch locations |
| Members: | 59,542 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67927 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $800,553,489 |
| CEO/Manager: | LeAnn Kaczynski |
| Chairperson: | Tammie Y Moore |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 70,052,603 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 298,951,946 |
| Unsecured Loans | 80,290,021 |
| Other Loans | 186,116,405 |
| TOTAL LOANS | 565,358,372 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -7,003,203 |
| Land And Building | 29,890,363 |
| Other Fixed Assets | 2,584,363 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,643,879 |
| All Other Assets | 1,778,943 |
| TOTAL ASSETS | 800,553,489 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 16,390,338 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 175,239,815 |
| Regular shares | 333,733,381 |
| All Other Shares & Deposits | 185,872,687 |
| TOTAL SHARES & DEPOSITS | 694,845,883 |
| TOTAL LIABILITIES | 711,236,221 |
| Regular Reserve | 0 |
| Other Reserves | 1,830,837 |
| Undivided Earnings | 87,486,431 |
| TOTAL EQUITY | 89,317,268 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 800,553,489 |
| INCOME & EXPENSE | |
| Loan Income | 25,796,383 |
| Investment Income | 2,844,862 |
| Other Income | 3,565,999 |
| Total Employee Compensation & Benefits | 16,727,376 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 11,408,983 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,146,021 |
| Cost of Funds | 3,835,261 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,184,465 |
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