Texas Bay
Texas Bay is a credit union based in Houston, Texas, established in 1936, with $902 million in total assets serving 61,095 members. By Trust Grade it ranks 345th of 379 credit unions we track in Texas. Its net worth ratio of 7.7% trails most similarly sized credit unions (2th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.17% return on assets. No consumer complaints against Texas Bay appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Texas Bay compares to Texas peers
How we graded Texas Bay
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.7% capital ratio)
- Profitable (ROA 0.17%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Texas Bay over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Texas Bay insured?
Yes. Texas Bay 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.
Texas Bay: frequently asked questions
Is Texas Bay a good credit union?
Texas Bay earns a Bankzia Trust Grade of C (76/100, "Average"), based on a financial-strength score of 76/100 (it has no CFPB complaints on record). Well-capitalized (7.7% capital ratio); Profitable (ROA 0.17%).
Is Texas Bay NCUA-insured?
Yes. Texas Bay 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 Texas Bay?
Texas Bay holds $902 million in total assets, ranking 345th of 379 credit unions we track in Texas. It serves 61,095 members.
Does Texas Bay have CFPB complaints?
No CFPB complaints against Texas Bay 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.
