Houston, TX · State Credit Union · Chartered in TX
Who can join
State government employees (special charter)
Members
59,807
Net Worth Ratio
11.61%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$805.8M
Total Shares
$700.5M
Total Loans
$583.6M
Net Income
$2.8M
Net Worth Ratio
11.61%
≥7% = Well Capitalized
Members
59,807
Return on Assets
0.35%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.95%
$5.5M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 534 | 173 | 222 | 32.4% | 41.6% |
| 2022 | 513 | 233 | 152 | 45.4% | 29.6% |
| 2021 | 538 | 268 | 154 | 49.8% | 28.6% |
No CFPB complaint data available for this credit union.
Main Office
6051 N Course Dr, Houston, TX, 77072-1667
M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Conroe
3201 W Davis St, Conroe, TX, 77304-2039
LobbyM,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pmDrive-In:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
FM 1960
520 FM 1960 Rd, Houston, TX, 77073-1908
Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pmDrive-In:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Sugar Land
9810 Highway 90A, Sugar Land, TX, 77478-3124
Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pmDrive-In:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Northloop
2510 North Loop W, Houston, TX, 77092-8901
Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pmDrive-In:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Copy the snippet below to embed a link to this profile on your website.
<a href="https://bankscorer.com/credit-union/smart-financial" target="_blank" rel="noopener">View SMART FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 83.3%· healthy range 60–80%
Lamar
3325 Westheimer Rd # B101, Houston, TX, 77098-1003
Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Spring Marketplace
7206 N Grand Pkwy W, Spring, TX, 77379-1684
Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Pearland
3060 Kirby Dr, Pearland, TX, 77584-5594
Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Kingwood
4529 Kingwood Dr Ste 100, Kingwood, TX, 77345
Lobby: M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
Woodlands
26515 Interstate 45, Spring, TX, 77380
Lobby M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm
2 more locations not shown.