Credit unions · Texas · Q2 2026
Credit Union of Texas AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $2.64B |
| Total loans & leases | $1.99B |
| Total shares & deposits | $2.27B |
| Members | 183,600 |
| Net worth | $215M |
| Net worth / assets | 8.13% |
| Loans / assets | 75.11% |
| Return on assets (annualized) | 0.05% |
| Loan growth (YoY) | −3.98% |
| Member growth (YoY) | 5.54% |
| Delinquency, all loans (60+ days) | 1.59% |
| Charter | State charter (federally insured) |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Credit Union of Texas runs a member-facing virtual assistant ("Sam") on its website and phone system, and its COO describes deploying Eltropy's AI voice and chat assistant that now handles about half of inbound member calls with most resolved without an agent. That places AI inside the contact-centre service process, not just as a staff tool.
- Credit Union of Texas website “Sam is our virtual assistant that can help you 24/7 through our chat feature on the website and through our phone system.”