Credit union · NCUA insured
Texas Bay Credit Union
Top CarrotA $902.2M credit union headquartered in Houston, TX, with 61,095 members and 9 branches in Texas. Best rates: CDs 4.00% and savings 0.03% APY.
Texas Bay Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#24 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Texas Bay Credit Union
Texas Bay Credit Union is a certified CDFI founded in 1936.
The credit union is a member-owned, not-for-profit financial cooperative.
- Headquarters
- 12611 Fuqua St, Houston, TX 77034
- NCUA charter
- 67465
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People, businesses, and other legal entities who live, work, worship, attend school, or are based in Harris, Chambers, Liberty, Montgomery, Waller, Fort Bend, Brazoria, or Galveston County are eligible for membership.
Employers and groups
- People, businesses, and other legal entities associated with one of Texas Bay Credit Union's select employer groups are eligible for membership.
Cost to join
- To join, deposit $1 into a savings account.
Branches
9 branches in Texas
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Texas
9 branches
- MainMain office12611 Fuqua St, Houston, TX 77034Directions
- Cypress9212 Fry Road # 100, Cypress, TX 77433Directions
- North Shore New15763 Wallisville Rd, Houston, TX 77049Directions
- Summerwood12310 W Lake Houston Parkway, Houston, TX 77044Directions
- Katy4747 FM 1463 Rd Ste 1000, Katy, TX 77494Directions
- South Shore6640 S. Shore Blvd, Suite 100, League City, TX 77573Directions
- Pasadena1301 W Pasadena Fwy, Pasadena, TX 77506Directions
- Pearland11555 Magnolia Parkway, Suite 170, Pearland, TX 77584Directions
- Richmond18320 W Airport Blv, Suite 100, Richmond, TX 77407Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.55% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio7.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.55%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Texas Bay Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.