Houston, TX · State Credit Union · Chartered in TX
Who can join
State government employees (special charter)
Members
61,095
Net Worth Ratio
7.65%
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
$902.2M
Total Shares
$758.6M
Total Loans
$682.1M
Net Income
$389K
Net Worth Ratio
7.65%
≥7% = Well Capitalized
Members
61,095
Return on Assets
0.04%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.42%
$2.9M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 644 | 227 | 350 | 35.3% | 54.4% |
| 2022 | 745 | 322 | 223 | 43.2% | 29.9% |
| 2021 | 894 | 285 | 321 | 31.9% | 35.9% |
No CFPB complaint data available for this credit union.
Main
12611 Fuqua St, Houston, TX, 77034
Lobby and Drive Thru:Monday through Friday, 9:00 a.m. until 5:00 p.m.Sat - 9:00 a.m. until 12:00 p.mCall Center; Monday through Friday, 9:00 a.m. until 5:00 p.m.Saturday, 9:00 a.m. until 12:00 p.m.
Pasadena
1301 W Pasadena Fwy, Pasadena, TX, 77506
Lobby and Drive Thru: Monday through Friday, 9:00 a.m. until 5:00 p.m. Saturday 9:00 a.m. until 12:00 p.m.
Summerwood
12310 W Lake Houston Parkway, Houston, TX, 77044
Lobby and Drive Thru: Monday through Friday, 9:00 a.m. until 5:00 p.m. Saturday 9:00 a.m. until 12:00 p.m.
South Shore
6640 S. Shore Blvd, League City, TX, 77573
Lobby and Drive Thru: Monday through Friday, 9:00 a.m. until 5:00 p.m. Drive-Thru/Virtual Teller Hours Sat: 9am - 12pm
Cypress
9212 Fry Road # 100, Cypress, TX, 77433
Lobby and Drive Thru: Monday through Friday, 9:00 a.m. until 5:00 p.m. Drive-Thru/Virtual Teller Hours Sat: 9am - 12pm
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<a href="https://bankscorer.com/credit-union/texas-bay" target="_blank" rel="noopener">View TEXAS BAY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 89.9%· healthy range 60–80%
Katy
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Lobby and Drive Thru: Monday through Friday, 9:00 a.m. until 5:00 p.m. Drive-Thru/Virtual Teller Hours Sat: 9am - 12pm
Richmond
18320 W Airport Blv, Richmond, TX, 77407
Lobby and Drive Thru:Monday through Friday, 9:00 a.m. until 5:00 p.m.Sat - 9:00 a.m. until 12:00 p.m
North Shore New
15763 Wallisville Rd, Houston, TX, 77049
Lobby and Drive Thru:Monday through Friday, 9:00 a.m. until 5:00 p.m.Sat - 9:00 a.m. until 12:00 p.m
Pearland
11555 Magnolia Parkway, Pearland, TX, 77584
Lobby and Drive Thru:Monday through Friday, 9:00 a.m. until 5:00 p.m.Sat - 9:00 a.m. until 12:00 p.m
Featherwood
12650 N Featherwood Dr, Houston, TX, 77034