Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Oct 2026 |
| RSSD ID | 720791 |
| Address | 12611 Fuqua St, Houston, TX 77034 Directions (Google Maps) |
| Website | www.tbacu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.tbacu.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.7 million in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,735,187 |
Emergency Capital Investment Program (ECIP)
Treasury invested $5 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as TEXAS BAY (charter 67465). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $905 million (as of 30 Jun 2026) |
|---|---|
| Members | 59,863 (as of 30 Jun 2026) |
| Offices | 9 (as of 30 Jun 2026) |
Offices by state and county (9)
Texas (9 offices)
- Brazoria County (1): 11555 Magnolia Parkway, Pearland 77584
- Fort Bend County (2): 4747 FM 1463 Rd Ste 1000, Katy 77494; 18320 W Airport Blv, Richmond 77407
- Galveston County (1): 6640 S. Shore Blvd, League City 77573
- Harris County (5): 12611 Fuqua St, Houston 77034 (main office); 9212 Fry Road # 100, Cypress 77433; 12310 W Lake Houston Parkway, Houston 77044; 15763 Wallisville Rd, Houston 77049; 1301 W Pasadena Fwy, Pasadena 77506
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Texas Bay Credit Union (NCUA charter 67465, filed as “TEXAS BAY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $711.2 million, 39,059 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.2% from $669.4 million on 30 Jun 2025 |
| Members | 59,863 (as of 30 Jun 2026); 60,598 (as of 30 Jun 2025) |
| Loans per member | $11,880 (total loans divided by members, 30 Jun 2026) |
| Total assets | $905 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $104.9 million | 14.7% |
| Used vehicle loans | $190.4 million | 26.8% |
| First-lien home mortgages (1-4 family) | $277.5 million | 39.0% |
| Other real estate loans (junior liens, other) | $30.7 million | 4.3% |
| Commercial (business) loans | $5.5 million | 0.8% |
| Credit cards | $31.6 million | 4.4% |
| Other unsecured loans | $63.7 million | 9.0% |
| Leases and other secured loans | $6.9 million | 1.0% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Texas Bay Credit Union reported 327 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $58.7M (median loan about $125,000). 101 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 101 | 31% |
| Refinance (incl. 23 cash-out) | 43 | 13% |
| Home improvement | 66 | 20% |
| Other purpose | 117 | 36% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 327 | 100% |
Included above: 78 home-equity or other open-end lines of credit.
Where the loans were made
Counties with the most 2025 originations, out of 20 counties with at least one; 100% of its 2025 loans were for properties in Texas:
- Harris County, TX (209)
- Fort Bend County, TX (30)
- Brazoria County, TX (25)
- Galveston County, TX (22)
- Montgomery County, TX (15)
- Chambers County, TX (5)
- Liberty County, TX (5)
Filed under LEI 549300Z4E78BSM0XM758 as “Texas Bay Area Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $905 million | Larger than 79% of the 14 other certified credit unions in Texas (median $169.6 million). |
| Loans as a share of assets | 79% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $669.4 million → $711.2 million (+6%) | Median change of 14 other certified credit unions in Texas: +3%. Rank by loans held among these 15: 4 → 4. |
| Home loans originated in 2025 (HMDA) | 327 | More than 78% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 79% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 4 → 4 of 15 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 78% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Houston and Texas
- Houston Business development, Inc.Loan fund · Houston, TXCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- LIGHT COMMERCE CREDIT UNIONCredit union · Houston, TXAuto / vehicle loansVerified
- Priority Trust Credit UnionCredit union · Houston, TXAuto / vehicle loans, Energy / solar / efficiency loans, Home repair / improvement loans, Home mortgages…Verified
- Sykes Equity LLC d/b/a Private LeverageLoan fund · Houston, TXCommercial real estate loansVerified
Work at Texas Bay Credit Union? Link to this page
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