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Smart Financial
Houston, TX · NCUA Charter #67927 · State charter, federally insured · Chartered 1934
Total assets
$807.53M
Shares & deposits
$700.61M
Total loans
$586.10M
Members
58,661
Net worth
$95.61M
Branches
12
Rank: #563 of 4,299 U.S. credit unions by assets · #47 of 380 in Texas. Assets changed 0.6% and membership -1.5% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 11.84% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 1.00% |
| Loans to shares & deposits | 83.7% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $871.97M | $793.85M | $0 | $79.04M |
| Jun 2023 | $932.50M | $749.12M | $0 | $82.09M |
| Jun 2024 | $852.78M | $699.44M | $0 | $84.30M |
| Jun 2025 | $802.34M | $697.76M | $0 | $86.93M |
| Jun 2026 | $807.53M | $700.61M | $0 | $95.61M |
Branch footprint
| State | Branches |
|---|---|
| Texas | 12 |
Similar-sized credit unions
Heritage Financial ($807.96M) · Maine State ($805.91M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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