RANKING ·
Lowest efficiency ratio 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 and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Educators Credit Union | Waco, TX | 32.6% | $610 million |
| 2 | Schlumberger Employees Credit Union | Sugar Land, TX | 38.1% | $936 million |
| 3 | Resource One Credit Union | Dallas, TX | 45.6% | $555 million |
| 4 | Randolph-Brooks Federal Credit Union | Universal City, TX | 50.1% | $19.6 billion |
| 5 | Eecu Credit Union | Fort Worth, TX | 50.1% | $4.9 billion |
| 6 | Abilene Teachers Federal Credit Union | Abilene, TX | 50.3% | $690 million |
| 7 | Datcu Credit Union | Denton, TX | 53.9% | $1.8 billion |
| 8 | Harris County Federal Credit Union | Houston, TX | 53.9% | $223 million |
| 9 | Westex Community Credit Union | Kermit, TX | 54.0% | $231 million |
| 10 | Citizens Federal Credit Union | Big Spring, TX | 54.3% | $202 million |
| 11 | Synergy Federal Credit Union | San Antonio, TX | 54.4% | $334 million |
| 12 | Nizari Progressive Federal Credit Union | Sugar Land, TX | 56.2% | $505 million |
| 13 | Rally Credit Union | Corpus Christi, TX | 56.4% | $4.8 billion |
| 14 | Neches Federal Credit Union | Port Neches, TX | 57.1% | $1.2 billion |
| 15 | Houston Police Federal Credit Union | Houston, TX | 57.1% | $1.0 billion |
| 16 | Fort Worth City Credit Union | Fort Worth, TX | 57.4% | $337 million |
| 17 | East Texas Professional Credit Union | Longview, TX | 57.4% | $1.4 billion |
| 18 | Genco Federal Credit Union | Waco, TX | 58.3% | $495 million |
| 19 | Members First Credit Union | Corpus Christi, TX | 58.5% | $183 million |
| 20 | Members Trust of the Southwest Federal Credit Union | Houston, TX | 59.5% | $274 million |
| 21 | Naft Federal Credit Union | Pharr, TX | 59.5% | $162 million |
| 22 | Mobility Credit Union | Irving, TX | 59.7% | $358 million |
| 23 | American Airlines Federal Credit Union | Fort Worth, TX | 59.7% | $9.5 billion |
| 24 | Intouch Credit Union | Plano, TX | 59.8% | $837 million |
| 25 | Windthorst Federal Credit Union | Windthorst, TX | 60.4% | $104 million |
| 26 | Gecu Federal Credit Union | El Paso, TX | 61.6% | $4.7 billion |
| 27 | Texoma Educators Federal Credit Union | Sherman, TX | 62.0% | $128 million |
| 28 | Allied Federal Credit Union | Arlington, TX | 62.7% | $138 million |
| 29 | Pecu Credit Union | Austin, TX | 63.0% | $431 million |
| 30 | Firstlight Federal Credit Union | El Paso, TX | 63.3% | $1.6 billion |
| 31 | A+ Federal Credit Union | Austin, TX | 63.3% | $2.6 billion |
| 32 | Red River Employees Federal Credit Union | Texarkana, TX | 63.3% | $1.6 billion |
| 33 | Kerr County Federal Credit Union | Kerrville, TX | 63.6% | $156 million |
| 34 | Pantex Federal Credit Union | Borger, TX | 63.7% | $233 million |
| 35 | Texas Health Credit Union | Austin, TX | 63.8% | $134 million |
| 36 | Complex Community Federal Credit Union | Odessa, TX | 64.1% | $818 million |
| 37 | City Credit Union | Dallas, TX | 64.6% | $630 million |
| 38 | Dugood Federal Credit Union | Beaumont, TX | 65.8% | $609 million |
| 39 | Gulf Coast Educators Federal Credit Union | Pasadena, TX | 67.2% | $1.3 billion |
| 40 | Government Employees Federal Credit Union | Austin, TX | 68.0% | $189 million |
| 41 | Brazos Valley Schools Credit Union | Katy, TX | 68.0% | $1.0 billion |
| 42 | Shell Federal Credit Union | Deer Park, TX | 68.1% | $2.1 billion |
| 43 | Cal-Com Federal Credit Union | Port Lavaca, TX | 68.6% | $226 million |
| 44 | Border Federal Credit Union | Del Rio, TX | 69.0% | $270 million |
| 45 | Rockdale Federal Credit Union | Rockdale, TX | 69.8% | $108 million |
| 46 | Southwest Airlines Federal Credit Union | Dallas, TX | 69.8% | $861 million |
| 47 | Jsc Federal Credit Union | Houston, TX | 70.2% | $2.6 billion |
| 48 | Kelly Community Federal Credit Union | Tyler, TX | 70.2% | $189 million |
| 49 | Raiz Federal Credit Union | El Paso, TX | 70.5% | $1.1 billion |
| 50 | Texasgulf Federal Credit Union | Wharton, TX | 70.6% | $220 million |
| 51 | Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | 70.7% | $116 million |
| 52 | Neighborhood Credit Union | Dallas, TX | 71.0% | $1.1 billion |
| 53 | First Community Credit Union | Houston, TX | 71.0% | $3.1 billion |
| 54 | Texans Credit Union | Richardson, TX | 71.1% | $2.6 billion |
| 55 | Education Credit Union | Amarillo, TX | 71.1% | $469 million |
| 56 | Texell Credit Union | Temple, TX | 71.4% | $801 million |
| 57 | Openland Credit Union | League City, TX | 71.9% | $588 million |
| 58 | Texas Trust Credit Union | Mansfield, TX | 72.1% | $2.1 billion |
| 59 | University Federal Credit Union | Austin, TX | 72.1% | $4.3 billion |
| 60 | Community Resource Credit Union | Baytown, TX | 72.5% | $930 million |
| 61 | Gulf Coast Federal Credit Union | Corpus Christi, TX | 72.6% | $260 million |
| 62 | Fivepoint Credit Union | Nederland, TX | 73.7% | $1.1 billion |
| 63 | Southwest Heritage Credit Union | Odessa, TX | 73.8% | $261 million |
| 64 | Cy-Fair Federal Credit Union | Houston, TX | 73.8% | $383 million |
| 65 | Texar Federal Credit Union | Texarkana, TX | 73.9% | $441 million |
| 66 | Texas Dow Employees Credit Union | Houston, TX | 74.0% | $5.0 billion |
| 67 | Houston Texas Fire Fighters Federal Credit Union | Houston, TX | 74.3% | $401 million |
| 68 | Firstmark Credit Union | San Antonio, TX | 74.3% | $1.3 billion |
| 69 | Austin Telco Federal Credit Union | Austin, TX | 74.6% | $2.5 billion |
| 70 | Gulf Credit Union | Groves, TX | 74.7% | $349 million |
| 71 | Education First Federal Credit Union | Beaumont, TX | 74.9% | $583 million |
| 72 | Coastlife Credit Union | Corpus Christi, TX | 75.4% | $520 million |
| 73 | Centex Citizens Credit Union | Mexia, TX | 75.4% | $119 million |
| 74 | Rave Financial Credit Union | Beaumont, TX | 75.9% | $1.2 billion |
| 75 | Eastex Credit Union | Evadale, TX | 76.4% | $132 million |
| 76 | Smart Financial Credit Union | Houston, TX | 76.6% | $808 million |
| 77 | First Service Credit Union | Houston, TX | 76.7% | $1.5 billion |
| 78 | Worth Credit Union | Bedford, TX | 76.7% | $1.3 billion |
| 79 | Members Credit Union | Cleburne, TX | 76.9% | $117 million |
| 80 | Security First Federal Credit Union | Mcallen, TX | 77.5% | $517 million |
| 81 | Libertyone Credit Union | Arlington, TX | 77.7% | $176 million |
| 82 | Rio Grande Valley Credit Union | Harlingen, TX | 78.2% | $180 million |
| 83 | H E B Federal Credit Union | San Antonio, TX | 78.8% | $218 million |
| 84 | Community Service Credit Union | Huntsville, TX | 78.8% | $164 million |
| 85 | Access Community Credit Union | Amarillo, TX | 79.2% | $211 million |
| 86 | Alliance Credit Union | Lubbock, TX | 79.3% | $1.1 billion |
| 87 | Chemcel Federal Credit Union | Bishop, TX | 79.4% | $184 million |
| 88 | My Community Credit Union | Midland, TX | 79.6% | $555 million |
| 89 | United Community Credit Union | Houston, TX | 79.7% | $128 million |
| 90 | Telco Plus Credit Union | Longview, TX | 79.8% | $124 million |
| 91 | Investex Credit Union | Humble, TX | 80.0% | $245 million |
| 92 | Greater Texas Federal Credit Union | Austin, TX | 80.4% | $995 million |
| 93 | Texoma Community Credit Union | Wichita Falls, TX | 80.5% | $325 million |
| 94 | Energy Capital Credit Union | Houston, TX | 80.6% | $261 million |
| 95 | Pioneer Mutual Federal Credit Union | Sugar Land, TX | 80.6% | $363 million |
| 96 | Security Service Federal Credit Union | San Antonio, TX | 80.8% | $14.4 billion |
| 97 | First Central Credit Union | Waco, TX | 81.0% | $192 million |
| 98 | Communities of Abilene Federal Credit Union | Abilene, TX | 81.1% | $161 million |
| 99 | Amoco Federal Credit Union | Texas City, TX | 81.1% | $1.5 billion |
| 100 | Houston Federal Credit Union | Sugar Land, TX | 81.1% | $952 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings