Total Assets
$805.8M
Total Deposits
$700.5M
Branches
12
Established
1934
SMART FINANCIAL is a credit union headquartered in Houston, Texas, established in 1934. It holds $805.8M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, SMART FINANCIAL earns a TFS Financial Health Grade of B+ (83.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
83.2 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Main OfficeHQ | 6051 N Course Dr | Houston | TX | Full Service |
| Conroe | 3201 W Davis St | Conroe | TX | Full Service |
| FM 1960 | 520 FM 1960 Rd | Houston | TX | Full Service |
| Lamar | 3325 Westheimer Rd # B101 | Houston | TX | Full Service |
| Northloop | 2510 North Loop W | Houston | TX | Full Service |
| Wayside | 4411 S Wayside Dr | Houston | TX | Full Service |
| Kingwood | 4529 Kingwood Dr Ste 100 | Kingwood | TX | Full Service |
| Magnolia | 6311 FM 1488 Rd Ste A | Magnolia | TX | Full Service |
| Pearland | 3060 Kirby Dr | Pearland | TX | Full Service |
| Spring Marketplace | 7206 N Grand Pkwy W | Spring | TX | Full Service |
| Woodlands | 26515 Interstate 45 | Spring | TX | Full Service |
| Sugar Land | 9810 Highway 90A | Sugar Land | TX | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
83.2
Net worth ratio
11.61%
Return on assets
1.40%
60+ day delinquency
1.00%
Suggested direct comparisons
Houston, TX
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GENERATIONS COMMUNITY
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$750.4M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.