Smart Financial Credit Union
Houston, TX
$808M
total assets, June 30, 2026
$808M
total assets, June 30, 2026
Smart Financial Credit Union is a state credit union based in Houston, TX. As of June 30, 2026 it held $807.5 million in assets and $700.6 million in deposits; assets were up 0.7% from a year before. It has 58,661 members and 12 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$808M
+0.7% in a year · +0.2% in a quarter
Deposits
$701M
+0.4% in a year · 0.0% in a quarter
Loans
$586M
+3.3% in a year · +0.4% in a quarter
Profit so far
$4.9M
Jan 1 to Jun 30, 2026 · +85.9% in a year
Net worth ratio
11.84%
+1.01 pts in a year
Return on assets
1.20%
+0.55 pts in a year
Facts
- Type
- State credit union
- Head office
- PO Box 920719, Houston, TX, 77292
- Established
- Apr 3, 1934
- Employees
- 192
- Members
- 58,661
- Branches
- 12
- Id
- cu67927
Quarter by quarter
June 30, 2002 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets is a yearly rate.
Branches
12 offices as of June 30, 2026
| County | Branches |
|---|---|
| Harris, TX | 7 |
| Montgomery, TX | 3 |
| Fort Bend, TX | 1 |
| Brazoria, TX | 1 |
| Office | Place |
|---|---|
| Main Office (main office) | Houston, TX |
| Conroe | Conroe, TX |
| FM 1960 | Houston, TX |
| Lamar | Houston, TX |
| Northloop | Houston, TX |
| Wayside | Houston, TX |
| Kingwood | Kingwood, TX |
| Magnolia | Magnolia, TX |
| Pearland | Pearland, TX |
| Spring Marketplace | Spring, TX |
| Woodlands | Spring, TX |
| Sugar Land | Sugar Land, TX |
Related pages
Questions and answers
How big is Smart Financial Credit Union?
$807.5 million in total assets and $700.6 million in deposits as of June 30, 2026, with assets up 0.7% from a year before. Its loans were $586.1 million.
How many branches does Smart Financial Credit Union have?
12 branches in Texas as of June 30, 2026.
How many members does Smart Financial Credit Union have?
58,661 members as of June 30, 2026, down 1.5% from a year before.
Is Smart Financial Credit Union profitable?
Yes: it earned $4.85 million from January 1 to June 30, 2026 (up 85.9% from the same months a year before). Its return on assets was 1.20% a year; about 1% is typical.
Official public data from the reports every insured credit union files each quarter. Profit so far runs from January 1 to the quarter end. Credit union branch lists have no deposits or map positions. New quarters appear about two months after the quarter ends.