Credit union · NCUA insured
Wellby Financial
Top CarrotA $2.6B credit union, the 198th largest of 4,329, headquartered in Houston, TX, with 126,357 members and 22 branches in Texas. Best rates: savings 0.10% APY.
Wellby Financial 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 Wellby Financial
Founded in 1961 as a not-for-profit financial cooperative, Wellby Financial previously operated as JSC Federal Credit Union.
Originally created to support Johnson Space Center aerospace innovators and their families, the credit union serves the greater Houston area.
- Headquarters
- 1330 Gemini St, Houston, TX 77058
- NCUA charter
- 14762
Branches
22 branches in Texas
Loading map…
Texas
22 branches
- Main BranchMain office1330 Gemini St, Houston, TX 77058Directions
- Alvin Branch877 E Highway 6, Alvin, TX 77511Directions
- Cypress HEB Branch14100 Spring Cypress Rd, Cypress, TX 77429Directions
- Monument Branch2200 E 13th St, Deer Park, TX 77536Directions
- Bay Colony Branch2461 FM 646 Rd W, Dickinson, TX 77539Directions
- Friendswood Branch1320 S Friendswood Dr, Friendswood, TX 77546Directions
- Friendswood North Branch307 N Friendswood Dr, Friendswood, TX 77546Directions
- Galveston Branch6167 Central City Blvd, Galveston, TX 77551Directions
- Clear Lake HEB3501 Clear Lake City Blvd, Houston, TX 77059Directions
- Ellington Branch404 FM 1959 Rd, Houston, TX 77034Directions
- Park Place Branch8424 Park Place Blvd, Houston, TX 77017Directions
- Katy HEB Branch6711 S Fry Rd, Katy, TX 77494Directions
- La Porte Branch607 W Fairmont Pkwy, La Porte, TX 77571Directions
- League City Branch501 N Egret Bay Blvd, League City, TX 77573Directions
- League City West Branch2660 W Main St, League City, TX 77573Directions
- Tuscan Lakes Branch1280 E League City Pkwy, League City, TX 77573Directions
- Sienna Ranch8215 Highway 6, Missouri City, TX 77459Directions
- Pasadena North Branch303 W Shaw Ave, Pasadena, TX 77506Directions
- Pearland Branch9101 Broadway St, Pearland, TX 77584Directions
- Seabrook Branch3620 NASA Pkwy, Seabrook, TX 77586Directions
- Sugar Land HEB Branch530 Highway 6, Sugar Land, TX 77478Directions
- Mainland Branch2300 Gulf Fwy, Texas City, TX 77591Directions
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 | 12.01% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.08% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.58% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $79 | $88 | — |
- CapitalNet worth ratio12.01%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.08%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.58%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$79Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Wellby Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.