Credit union · NCUA insured
USE Credit Union
Top CarrotA $85.9M credit union headquartered in Tomball, TX, with 7,564 members and 1 branch in Texas. Best rates: CDs 4.25% and savings 0.06% APY.
USE Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#20 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USE Credit Union
Originally chartered in December 1933 as Houston Railway Postal Clerks Credit Union, the credit union started in Downtown Houston, Texas for area government employees.
Now operating as member-owned USE Credit Union (United States Employees' Credit Union), it relocated to Tomball, Texas in 2008.
- Headquarters
- 24909 Kuykendahl Rd, Tomball, TX 77375-3295
- NCUA charter
- 66372
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or worship in the Houston Metro area or specified surrounding communities are eligible for membership.
Military, government and schools
- U.S. Government Employees are eligible for membership.
Branches
1 branch in Texas
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Texas
1 branch
- Kuykendahl OfficeMain office24909 Kuykendahl Rd, Tomball, TX 77375Directions
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 | 10.38% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.72% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio10.38%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 USE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.