Credit union · NCUA insured
United Community Credit Union
A $127M credit union headquartered in Houston, TX, with 13,596 members and 4 branches in Texas. Best rates: CDs 3.44% and savings 0.15% APY.
United Community Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#61 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Community Credit Union
- Headquarters
- 13700 E Sam Houston Parkway N, Houston, TX 77044
- NCUA charter
- 68369
Branches
4 branches in Texas
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Texas
4 branches
- Summerwood Financial CenterMain office13700 E Sam Houston Parkway N, Houston, TX 77044Directions
- Crosby Financial Center14028 FM 2100 Rd, Crosby, TX 77532Directions
- Galena Park Financial Center1700 16th St, Galena Park, TX 77547Directions
- Normandy Financial Center771 Normandy St, Houston, TX 77015Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.03% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio12.03%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ 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 United Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.