Harris County

Houston, TX · 1 · Charter #7552 · www.hcfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$218.0M
94th percentile
Members
19,913
98th percentile
Total loans
$113.4M
83th percentile
Total shares
$168.7M
88th percentile

Profitability

Return on assets
2.47%
98th percentile
Net interest margin
4.21%
79th percentile
Efficiency ratio
49.84%
83th percentile
Non-interest income ratio
20.36%
66th percentile

Capital & Risk

Net worth ratio
22.53%
97th percentile
Delinquency rate
1.63%
15th percentile
Net charge-off rate
0.96%
12th percentile
Loan-to-share
67.23%
48th percentile

Growth

Member growth YoY
3.34%
87th percentile
Asset growth YoY
4.61%
56th percentile
Loan growth YoY
-5.81%
15th percentile
Share growth YoY
3.74%
54th percentile

Operations

Members / branch
19,913
100th percentile
Assets / member
$10,945
20th percentile
Field of membership penetration
26.55%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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