Largest Credit Unions in Texas in 2026: Texas is home to a busy credit union scene because many federally insured credit unions operate there. They serve millions of people. In 2026, the biggest players include large statewide groups and also unions that started with specific employers, schools or local communities.
Using the newest NCUA first quarter 2026 Call Report numbers, Texas had 380 federally insured credit unions. Together they held around $162.8 billion in assets. They also had about 10.5 million members.
Randolph-Brooks Federal Credit Union stayed at the top in Texas by total assets. After that, Security Service Federal Credit Union ranked next. American Airlines Federal Credit Union followed.
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15 Largest Credit Unions in Texas in 2026
1. Randolph-Brooks Federal Credit Union (RBFCU): $19.19 billion in total assets and 1.15 million members.
2. Security Service Federal Credit Union (SSFCU): $14.21 billion in total assets and 741,871 members.
3. American Airlines Federal Credit Union: $9.45 billion in total assets and 388,005 members.
4. Texas Dow Employees Credit Union (TDECU): $5.10 billion in total assets and 400,093 members.
5. Rally Credit Union: $4.77 billion in total assets and 240,632 members.
6. EECU: $4.76 billion in total assets and 307,907 members.
7. GECU: $4.66 billion in total assets and 444,307 members.
8. Credit Human: $4.38 billion in total assets and 263,451 members.
9. University Credit Union: $4.27 billion in total assets and 422,795 members.
10. First Community Credit Union: $2.96 billion in total assets and 186,819 members.
11. Credit Union of Texas: $2.72 billion in total assets and 184,024 members.
12. JSC Federal Credit Union: $2.65 billion in total assets and 126,357 members.
13. Texans Credit Union: $2.61 billion in total assets and 152,742 members.
14. A+ Federal Credit Union: $2.58 billion in total assets and 194,144 members.
15. Austin Telco Federal Credit Union: $2.55 billion in total assets and 95,564 members.
Source: NCUA 5300 Call Report data, Q1 2026 cycle. The figures show total assets and membership for the Texas credit unions listed in the ranking.
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1. Randolph-Brooks Federal Credit Union (RBFCU)
Randolph Brooks Federal Credit Union, or RBFCU, is the biggest credit union in Texas by total assets. In Q1 2026, RBFCU reported about $19.19 billion in assets and roughly 1.15 million members.
RBFCU keeps adding reach across the state. In 2026, the credit union said it passed $19.6 billion in assets and topped 1.1 million members. It also started work on its 66th branch in Mesquite in April 2026. The move points to its growth in North Texas.
RBFCU began in 1952. It started as a credit union tied to Randolph Air Force Base. Over time, it became one of the biggest member-owned financial groups in the United States.
2. Security Service Federal Credit
In the Q1 2026 figures, SSFCU had about $14.21 billion in assets and more than 741,000 members. SSFCU has a strong footprint in Texas. It is especially known in San Antonio and the nearby area.
RBFCU and SSFCU together show how packed the top layer has become. The two largest credit unions in Texas list more than $33 billion in assets combined.
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3. American Airlines Federal Credit Union
In the Q1 2026 Texas data, it had about $9.45 billion in assets and 388,005 members. It was formed to serve people who work in the airline field and later grew into a large credit union. It now offers a wide set of financial services.
4. Texas Dow Employees Credit Union
Texas Dow Employees Credit Union (TDECU) ranked fourth, reporting approximately $5.10 billion in assets and more than 400,000 members.
Despite its employee-based origins, TDECU has become one of the larger credit unions serving consumers across Texas.
Its membership base is also notable: at more than 400,000 members, it is larger by membership than several credit unions that rank above it nationally or regionally in other measures.
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5. Rally Credit Union
Rally Credit Union ranked fifth in Texas with approximately $4.77 billion in assets and 240,632 members according to Q1 2026 data.
It has expanded considerably over the years. Its own 2025 annual report recorded $4.713 billion in year-end assets, up from $4.502 billion in 2024. It also reported 238,742 members at the end of 2025.
6. EECU
In the Q1 2026 list, EECU placed sixth by assets. It had about $4.76 billion and roughly 308,000 members.
In its 2025 annual report, EECU said it ended the year with $4.59 billion in total assets. It also listed more than 300,000 members, and that suggests the pace did not slow going into 2026. For 2026, EECU keeps pushing technology and convenience. It also highlights services built around members.
7. GECU
The Q1 2026 numbers show about $4.66 billion in assets. It also reported more than 444,000 members.
Its membership size stands out. Even with its asset rank lower than some other groups, GECU still has one of the biggest member counts among credit unions in the Texas top 10.
8. Credit Human
Credit Human held the eighth position, with approximately $4.38 billion in assets and about 263,000 members.
The San Antonio-based institution has developed a broad range of consumer financial products and services while retaining its credit-union cooperative structure.
9. University Credit Union
University Credit Union ranked ninth in Texas, with approximately $4.27 billion in assets and more than 422,000 members.
Its membership figure puts it among the larger Texas credit unions by people served, even though its asset base is below the state’s biggest institutions.
10. First Community Credit Union
First Community Credit Union rounded out the top 10, with approximately $2.96 billion in assets and nearly 187,000 members.
The gap between the top nine and 10th position is significant. First Community’s asset base is roughly $1.3 billion below University Credit Union.
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Texas Credit Union Industry in 2026
Texas has a large credit-union scene. That helps explain why so many institutions show up in the wider financial-services world.
In the first quarter of 2026, NCUA reported 380 federal credit unions in Texas. Those credit unions served roughly 10.5 million members. Their total assets came to about $162.8 billion.
For the year that ended in the first quarter of 2026, Texas credit unions hit a median annual asset gain of 2.3%. This figure comes from NCUA’s quarterly state numbers.
Even so, that pace was not as fast as the national median of 2.8%. Still, the Texas market stayed very large.
What Makes a Credit Union “Large”?
When people look up the biggest credit unions in Texas, they might not mean the same thing.
- Assets total: This is the metric used in the earlier list. It counts the credit union’s money and holdings. It also helps show overall size in one number.
- Members: A credit union can hold a lot of members even if its assets are not #1. GECU, for instance, shows more than 444,000 members in the Q1 2026 figures. That places it near the top by membership. Yet it sits at seventh when you look at assets.
- Branches: Where you can walk in or call in can matter. A credit union with a smaller asset amount may still be the easier choice if it has a branch close to you.
- How it performs: Bigger size does not guarantee the best fit for every person. You might want to check savings rates, loan APRs, common charges, digital tools, branch access, and who can join.
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Is Top Credit Union In Texas Always The Best?
Not always. A credit union with more assets is larger on paper. But that does not mean it will offer the lowest mortgage rate, the top savings yield, or the best day-to-day help.
For example, a person shopping for an auto loan may care most about the current APR. Another member may want more nearby branches. Someone else may choose based on mobile features and apps.
