Houston, Texas · Peer group 5
Cy-Fair Credit Union
Cy-Fair Credit Union holds $387.3M in assets across 25,878 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1956. Charter number 11452, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $387.3M |
|---|---|
| Total loans | $241.9M |
| Total shares (deposits) | $351.0M |
| Net worth | $35.3M |
| Members | 25,878 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.5% | |
|---|---|---|
| Loans | -5.8% | lower than 92% of its peer group |
| Deposits | 1.7% | around the 36th percentile of its peer group |
| Members | -2.1% | around the 28th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 68.9% | around the 44th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.3% | around the 18th percentile of its peer group |
| Return on assets | 1.50% | around the 89th percentile of its peer group |
| Delinquency ratio | 0.97% | around the 75th percentile of its peer group |
| Cash / assets | 8.5% | around the 36th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Cy-Fair Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Houston Texas Fire Fighters Credit Union
Houston, TX
$401.2M · 17,733 members
- MCT Credit Union
Port Neches, TX
$411.3M · 21,604 members
- Mobility Credit Union
Irving, TX
$358.8M · 20,838 members
- 1st Community Credit Union
San Angelo, TX
$422.2M · 23,575 members
- America's Credit Union
GARLAND, TX
$422.5M · 31,666 members
- Pioneer Mutual Credit Union
SUGAR LAND, TX
$351.1M · 11,951 members
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