SMART FINANCIAL Credit Union Profile

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SMART FINANCIAL

Charter #67927 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (713) 850-1600

Fax:

Founding Date: N/A

Website: http://www.smartcu.org

Personnel & Operations

President: Moore, Tammie

Manager: Kaczynski, LeAnn

FT Employees: 191

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 16.32%

Membership Type: 99

Branches: 12

Hours: M,T,Th,F - 9am - 5pm W - 9am - 2pm S - 9am

Credit Union Profile Summary

SMART FINANCIAL is a FISCU Credit Union. With a total of 59,534 members ^[1], this institution manages approximately $802,342,043 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.82% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.26% ^[1].

Financial Snapshot

Total Assets ^[1]

$802,342,043

Total economic resources.

Total Loans ^[1]

$567,208,610

Total value of outstanding loans.

Total Deposits ^[1]

$697,756,072

Total funds deposited by members.

Members ^[1]

59,534

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.82%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.66%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

81.29%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -5.91%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 6.26%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -2.18%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

6051 N Course Dr

Houston, TX, 77072-1667

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 14 branches reported by SMART FINANCIAL (Charter #67927).

Main Office

Main Office Main Office

Type: Corporate Office

6051 N Course Dr

Houston, TX 77072-1667

Phone: (713) 850-1600

Services: None specified

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Additional Branches

Conroe

Type: Branch Office

Katy-Fulshear

Type: Branch Office

6727 FM 1463 Rd Ste 100

Katy, TX 77494

Phone: (713) 850-1600

Services: Member Services, ATM

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Kingwood

Type: Branch Office

4529 Kingwood Dr Ste 100

Kingwood, TX 77345

Phone: (713) 407-8427

Services: Member Services, ATM

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Magnolia

Type: Branch Office

6311 FM 1488 Rd Ste A

Magnolia, TX 77354

Phone: (713) 850-1600

Services: Member Services, ATM, Drive-Thru

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Pearland

Type: Branch Office

Type: Branch Office

9810 Highway 90A

Sugar Land, TX 77478-3124

Phone: (713) 850-1600

Services: Member Services, ATM, Drive-Thru

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