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SMART FINANCIAL

Houston, TX · State Credit Union · Chartered in TX

LICUWell Capitalized

Who can join

Type 99

Charter #67927Est. 1934RSSD: 787691
Compare

Members

59,807

Net Worth Ratio

11.61%

min. 7% = Well Capitalized

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.

At a Glance

Total Assets

$805.8M

Peer Group 6

Members

59,807

as of latest quarter

Net Worth Ratio

11.61%

Well Capitalized

Institution Profile

NCUA

Address

Po Box 920719, Houston, TX 77292

Chartered

1934

Branch Locations

12 locations

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

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

Loan-to-share ratio: 83.3%· healthy range 60–80%

Branch Locations

NCUA

Main Office

6051 N Course Dr, Houston, TX, 77072-1667

M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm

MainATM

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

ATMDrive-thru

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

ATMDrive-thru

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

ATMDrive-thru

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

ATMDrive-thru

Lamar

3325 Westheimer Rd # B101, Houston, TX, 77098-1003

Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm

ATM

Spring Marketplace

7206 N Grand Pkwy W, Spring, TX, 77379-1684

Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm

ATM

Pearland

3060 Kirby Dr, Pearland, TX, 77584-5594

Lobby:M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm

ATM

Kingwood

4529 Kingwood Dr Ste 100, Kingwood, TX, 77345

Lobby: M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm

ATM

Woodlands

26515 Interstate 45, Spring, TX, 77380

Lobby M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm

ATM

2 more locations not shown.

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

View HMDA data on CFPB →Search mortgage lenders →

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

View all on CFPB →File NCUA complaint →

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.