credit union · NCUA 67927 · TX
How big is SMART FINANCIAL?
SMART FINANCIAL (TX, NCUA charter 67927) reported total assets of $807.5M, 58,661 members and a net worth ratio of 11.84% in its Call Report for 2026Q2. That ranks 563 of 4,299 federally insured credit unions by assets, 84 of 280 among credit unions with $500m-$1b in assets, 47 of 380 credit unions in texas.
What stands out
SMART FINANCIAL (TX, NCUA charter 67927) reported total assets of $807.5M, 58,661 members and a net worth ratio of 11.84% in its Call Report for 2026Q2. That ranks 563 of 4,299 federally insured credit unions by assets, 84 of 280 among credit unions with $500m-$1b in assets, 47 of 380 credit unions in texas. Against its size class: net worth ratio 11.84%, above the peer median of 10.59%; loan-to-share ratio 83.65%, above the peer median of 83.51%; return on assets 1.20%, above the peer median of 0.75%. At 11.84% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $807.5M | $714.8M | $49.9M | $68.3M | record → |
| Shares and deposits | $700.6M | $614.6M | $40.8M | $58.3M | record → |
| Loans outstanding | $586.1M | $502.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $4.9M | $2.5M | $141.6k | $222.2k | record → |
| Net worth | $95.6M | $74.4M | $7.4M | $9.0M | record → |
| Net worth ratio | 11.84% | 10.59% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 83.65% | 83.51% | 70.24% | 68.70% | computed |
| Return on assets | 1.20% | 0.75% | 0.59% | 0.71% | computed |
| Members | 58,661 | 41,964 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $807.5M | $700.6M | $586.1M | $4.9M | 11.84% | 58,661 | 563 |
| 2026Q1 | $805.8M | $700.5M | $583.6M | $2.8M | 11.61% | 59,807 | 558 |
| 2025Q4 | $803.5M | $697.0M | $568.2M | $7.5M | 11.29% | 59,731 | 553 |
| 2025Q3 | $800.6M | $694.8M | $565.4M | $4.2M | 11.04% | 59,542 | 551 |
| 2025Q2 | $802.3M | $697.8M | $567.2M | $2.6M | 10.82% | 59,534 | 548 |
| 2025Q1 | $802.2M | $699.6M | $547.3M | $1.5M | 10.68% | 60,557 | 544 |
| 2024Q4 | $783.4M | $682.0M | $547.1M | $2.1M | 10.75% | 60,531 | 547 |
| 2024Q3 | $843.7M | $687.8M | $531.6M | $2.5M | 10.14% | 60,548 | 508 |
| 2024Q2 | $852.8M | $699.4M | $533.8M | $988.9k | 9.86% | 60,861 | 506 |
| 2024Q1 | $885.5M | $714.7M | $522.6M | $316.5k | 9.42% | 61,877 | 496 |
| 2023Q4 | $850.3M | $718.4M | $529.3M | $3.1M | 10.01% | 62,668 | 500 |
| 2023Q3 | $922.8M | $733.0M | $525.4M | $1.5M | 8.96% | 62,915 | 467 |
| 2023Q2 | $932.5M | $749.1M | $502.6M | $832.6k | 8.79% | 63,141 | 460 |
| 2023Q1 | $854.9M | $772.3M | $470.7M | $307.2k | 9.53% | 63,757 | 493 |
| 2022Q4 | $858.5M | $775.0M | $461.4M | $5.0M | 9.46% | 63,957 | 493 |
| 2022Q3 | $867.6M | $791.5M | $442.9M | $3.9M | 9.24% | 64,043 | 481 |
| 2022Q2 | $872.0M | $793.8M | $438.3M | $2.8M | 9.06% | 64,988 | 472 |
| 2022Q1 | $877.2M | $796.1M | $431.6M | $1.7M | 8.88% | 67,312 | 469 |
| 2021Q4 | $863.1M | $779.9M | $427.6M | $4.0M | 8.83% | 68,277 | 467 |
| 2021Q3 | $857.8M | $775.2M | $435.2M | $3.2M | 8.79% | 68,685 | 460 |
| 2021Q2 | $848.5M | $769.6M | $433.8M | $2.1M | 8.76% | 69,388 | 461 |
| 2021Q1 | $834.8M | $761.8M | $438.1M | $1.6M | 8.83% | 69,990 | 461 |
| 2020Q4 | $785.6M | $712.9M | $450.1M | $-392.4k | 9.19% | 69,862 | 464 |
| 2020Q3 | $777.7M | $701.1M | $451.7M | $-153.9k | 9.31% | 70,174 | 457 |
| 2020Q2 | $763.9M | $688.5M | $461.8M | $-979.9k | 9.37% | 70,419 | 458 |
| 2020Q1 | $702.6M | $628.6M | $463.8M | $-803.4k | 10.21% | 71,281 | 463 |
| 2019Q4 | $699.5M | $620.2M | $463.6M | $3.8M | 10.37% | 71,554 | 453 |
| 2019Q3 | $703.0M | $619.7M | $472.3M | $2.5M | 10.13% | 72,089 | 444 |
| 2019Q2 | $703.2M | $619.3M | $463.5M | $1.2M | 9.95% | 72,846 | 440 |
| 2019Q1 | $696.4M | $618.6M | $453.7M | $501.1k | 9.94% | 73,855 | 439 |
| 2018Q4 | $687.0M | $608.4M | $447.9M | $4.5M | 10.00% | 75,249 | 431 |
| 2018Q3 | $693.6M | $619.3M | $433.5M | $3.9M | 9.82% | 76,207 | 426 |
| 2018Q2 | $711.3M | $637.6M | $421.9M | $2.7M | 9.40% | 76,899 | 420 |
| 2018Q1 | $711.1M | $640.0M | $406.8M | $1.3M | 9.21% | 77,372 | 416 |
| 2017Q4 | $700.1M | $628.3M | $406.1M | $2.2M | 9.17% | 77,603 | 411 |
| 2017Q3 | $686.0M | $611.9M | $399.7M | $1.1M | 9.20% | 77,890 | 413 |
| 2017Q2 | $669.1M | $603.2M | $387.5M | $608.6k | 9.35% | 77,887 | 416 |
| 2017Q1 | $663.0M | $598.6M | $379.8M | $56.8k | 9.35% | 77,877 | 416 |
| 2016Q4 | $649.6M | $580.1M | $383.5M | $1.9M | 9.54% | 77,958 | 413 |
| 2016Q3 | $647.4M | $582.3M | $375.3M | $1.7M | 9.54% | 78,339 | 407 |
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