RANKING ·
Highest net interest margin in Texas
141 of 380 credit unions in Texas that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin on average assets | Total assets |
|---|---|---|---|---|
| 1 | Openland Credit Union | League City, TX | 5.44% | $588 million |
| 2 | My Community Credit Union | Midland, TX | 5.38% | $555 million |
| 3 | Education Credit Union | Amarillo, TX | 5.28% | $469 million |
| 4 | Kerr County Federal Credit Union | Kerrville, TX | 5.12% | $156 million |
| 5 | United Community Credit Union | Houston, TX | 4.84% | $128 million |
| 6 | Tarrant County'S Credit Union | Fort Worth, TX | 4.80% | $124 million |
| 7 | Priority Trust Credit Union | Houston, TX | 4.79% | $191 million |
| 8 | Smart Financial Credit Union | Houston, TX | 4.73% | $808 million |
| 9 | Shell Federal Credit Union | Deer Park, TX | 4.71% | $2.1 billion |
| 10 | Cy-Fair Federal Credit Union | Houston, TX | 4.62% | $383 million |
| 11 | Gecu Federal Credit Union | El Paso, TX | 4.62% | $4.7 billion |
| 12 | Community Service Credit Union | Huntsville, TX | 4.62% | $164 million |
| 13 | Mtcu Credit Union | Midland, TX | 4.56% | $137 million |
| 14 | Texoma Community Credit Union | Wichita Falls, TX | 4.56% | $325 million |
| 15 | Border Federal Credit Union | Del Rio, TX | 4.55% | $270 million |
| 16 | Valley Federal Credit Union | Brownsville, TX | 4.44% | $119 million |
| 17 | Firstlight Federal Credit Union | El Paso, TX | 4.43% | $1.6 billion |
| 18 | Laredo Federal Credit Union | Laredo, TX | 4.40% | $137 million |
| 19 | Abilene Teachers Federal Credit Union | Abilene, TX | 4.39% | $690 million |
| 20 | America'S Credit Union | Garland, TX | 4.38% | $428 million |
| 21 | Texas Dow Employees Credit Union | Houston, TX | 4.38% | $5.0 billion |
| 22 | University Federal Credit Union | Austin, TX | 4.32% | $4.3 billion |
| 23 | Centex Citizens Credit Union | Mexia, TX | 4.32% | $119 million |
| 24 | Harris County Federal Credit Union | Houston, TX | 4.29% | $223 million |
| 25 | Neches Federal Credit Union | Port Neches, TX | 4.26% | $1.2 billion |
| 26 | Datcu Credit Union | Denton, TX | 4.21% | $1.8 billion |
| 27 | Telco Plus Credit Union | Longview, TX | 4.19% | $124 million |
| 28 | Westex Community Credit Union | Kermit, TX | 4.18% | $231 million |
| 29 | Community Resource Credit Union | Baytown, TX | 4.17% | $930 million |
| 30 | First Central Credit Union | Waco, TX | 4.17% | $192 million |
| 31 | Membersource Credit Union | Houston, TX | 4.16% | $196 million |
| 32 | Texell Credit Union | Temple, TX | 4.15% | $801 million |
| 33 | Southwest Heritage Credit Union | Odessa, TX | 4.14% | $261 million |
| 34 | Gulf Coast Federal Credit Union | Corpus Christi, TX | 4.13% | $260 million |
| 35 | A+ Federal Credit Union | Austin, TX | 4.11% | $2.6 billion |
| 36 | Allied Federal Credit Union | Arlington, TX | 4.09% | $138 million |
| 37 | Southwest 66 Credit Union | Odessa, TX | 4.09% | $112 million |
| 38 | H E B Federal Credit Union | San Antonio, TX | 4.07% | $218 million |
| 39 | Raiz Federal Credit Union | El Paso, TX | 4.06% | $1.1 billion |
| 40 | Credit Human Federal Credit Union | San Antonio, TX | 4.05% | $4.3 billion |
| 41 | Members Choice Credit Union | Houston, TX | 4.04% | $721 million |
| 42 | Rally Credit Union | Corpus Christi, TX | 4.04% | $4.8 billion |
| 43 | First Service Credit Union | Houston, TX | 4.01% | $1.5 billion |
| 44 | 1st Community Federal Credit Union | San Angelo, TX | 4.00% | $422 million |
| 45 | Access Community Credit Union | Amarillo, TX | 3.98% | $211 million |
| 46 | One Source Federal Credit Union | El Paso, TX | 3.97% | $124 million |
| 47 | Eastex Credit Union | Evadale, TX | 3.96% | $132 million |
| 48 | Rockdale Federal Credit Union | Rockdale, TX | 3.95% | $108 million |
| 49 | River City Federal Credit Union | San Antonio, TX | 3.93% | $148 million |
| 50 | The People'S Federal Credit Union | Amarillo, TX | 3.89% | $229 million |
| 51 | Members Credit Union | Cleburne, TX | 3.89% | $117 million |
| 52 | Resource One Credit Union | Dallas, TX | 3.89% | $555 million |
| 53 | East Texas Professional Credit Union | Longview, TX | 3.86% | $1.4 billion |
| 54 | Energy Capital Credit Union | Houston, TX | 3.86% | $261 million |
| 55 | Security First Federal Credit Union | Mcallen, TX | 3.86% | $517 million |
| 56 | Kelly Community Federal Credit Union | Tyler, TX | 3.85% | $189 million |
| 57 | Unity One Credit Union | Fort Worth, TX | 3.81% | $276 million |
| 58 | Red River Employees Federal Credit Union | Texarkana, TX | 3.80% | $1.6 billion |
| 59 | Capitol Credit Union | Austin, TX | 3.78% | $234 million |
| 60 | Chocolate Bayou Community Federal Credit Union | Alvin, TX | 3.77% | $158 million |
| 61 | Fivepoint Credit Union | Nederland, TX | 3.76% | $1.1 billion |
| 62 | Alliance Credit Union | Lubbock, TX | 3.75% | $1.1 billion |
| 63 | Soarion Federal Credit Union | San Antonio, TX | 3.75% | $556 million |
| 64 | Complex Community Federal Credit Union | Odessa, TX | 3.74% | $818 million |
| 65 | Education First Federal Credit Union | Beaumont, TX | 3.72% | $583 million |
| 66 | Union Square Credit Union | Wichita Falls, TX | 3.72% | $601 million |
| 67 | First Community Credit Union | Houston, TX | 3.72% | $3.1 billion |
| 68 | Velocity Credit Union | Austin, TX | 3.71% | $1.1 billion |
| 69 | Texas Bay Credit Union | Houston, TX | 3.70% | $905 million |
| 70 | Gulf Credit Union | Groves, TX | 3.69% | $349 million |
| 71 | Prestige Community Credit Union | Dallas, TX | 3.69% | $119 million |
| 72 | Lone Star Credit Union | Dallas, TX | 3.62% | $188 million |
| 73 | Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | 3.62% | $116 million |
| 74 | Naft Federal Credit Union | Pharr, TX | 3.62% | $162 million |
| 75 | Primeway Federal Credit Union | Houston, TX | 3.61% | $736 million |
| 76 | Pantex Federal Credit Union | Borger, TX | 3.60% | $233 million |
| 77 | Rave Financial Credit Union | Beaumont, TX | 3.60% | $1.2 billion |
| 78 | Texas Tech Federal Credit Union | Lubbock, TX | 3.59% | $451 million |
| 79 | Amoco Federal Credit Union | Texas City, TX | 3.57% | $1.5 billion |
| 80 | Texas Health Credit Union | Austin, TX | 3.56% | $134 million |
| 81 | Sabine Federal Credit Union | Orange, TX | 3.56% | $235 million |
| 82 | City Credit Union | Dallas, TX | 3.55% | $630 million |
| 83 | Firstmark Credit Union | San Antonio, TX | 3.54% | $1.3 billion |
| 84 | First Watch Federal Credit Union | Abilene, TX | 3.54% | $105 million |
| 85 | First Basin Credit Union | Odessa, TX | 3.52% | $343 million |
| 86 | Beacon Federal Credit Union | La Porte, TX | 3.51% | $215 million |
| 87 | Texoma Educators Federal Credit Union | Sherman, TX | 3.51% | $128 million |
| 88 | Genco Federal Credit Union | Waco, TX | 3.50% | $495 million |
| 89 | Pecu Credit Union | Austin, TX | 3.47% | $431 million |
| 90 | Greater Texas Federal Credit Union | Austin, TX | 3.46% | $995 million |
| 91 | Members First Credit Union | Corpus Christi, TX | 3.46% | $183 million |
| 92 | Mct Credit Union | Port Neches, TX | 3.46% | $415 million |
| 93 | Randolph-Brooks Federal Credit Union | Universal City, TX | 3.45% | $19.6 billion |
| 94 | Government Employees Federal Credit Union | Austin, TX | 3.44% | $189 million |
| 95 | Santa Fe Federal Credit Union | Amarillo, TX | 3.44% | $215 million |
| 96 | Gulf Coast Educators Federal Credit Union | Pasadena, TX | 3.44% | $1.3 billion |
| 97 | Brazos Valley Schools Credit Union | Katy, TX | 3.43% | $1.0 billion |
| 98 | Neighborhood Credit Union | Dallas, TX | 3.42% | $1.1 billion |
| 99 | Rio Grande Valley Credit Union | Harlingen, TX | 3.41% | $180 million |
| 100 | Generations Community Federal Credit Union | San Antonio, TX | 3.40% | $735 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings