Smart Financial
Smart Financial is a credit union based in Houston, Texas, established in 1934, with $806 million in total assets serving 59,807 members. By Trust Grade it ranks 127th of 379 credit unions we track in Texas. Its net worth ratio of 11.6% is stronger than 55% of similarly sized credit unions, versus a Texas median of 13.5%. It was profitable over the most recent period, with a 1.40% return on assets. No consumer complaints against Smart Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Smart Financial compares to Texas peers
How we graded Smart Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Strongly profitable (ROA 1.40%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Smart Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Smart Financial insured?
Yes. Smart Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Smart Financial: frequently asked questions
Is Smart Financial a good credit union?
Smart Financial earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Strongly profitable (ROA 1.40%).
Is Smart Financial NCUA-insured?
Yes. Smart Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Smart Financial?
Smart Financial holds $806 million in total assets, ranking 127th of 379 credit unions we track in Texas. It serves 59,807 members.
Does Smart Financial have CFPB complaints?
No CFPB complaints against Smart Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
