Houston Police vs Mountain Star
Comparing a Credit Union in Houston, TX with a Credit Union in El Paso, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Houston Police ↗ Credit Union · Houston, TX · Est. 1937 | Mountain Star ↗ Credit Union · El Paso, TX · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Houston, TX | El Paso, TX |
| Total assets | $999.5M | $46.6M |
| Net worth ratio | 16.4% | 18.0% |
| Return on assets | 1.0% | 9.2% |
| Shares & deposits | — | — |
| Members | 33,086 | 4,784 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 379 | #2 of 379 |
| Established | 1937 | 1935 |
Houston Police
- Assets: $999.5M
- Members: 33,086
- Capital ratio: 16.4%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #4 of 379
Mountain Star
- Assets: $46.6M
- Members: 4,784
- Capital ratio: 18.0%
- Return on assets: 9.2%
- CFPB complaints: 0
- State rank: #2 of 379
Are both institutions federally insured?
Yes. Houston Police is NCUA-insured and Mountain Star is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Houston Police or Mountain Star?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Houston Police scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Houston Police safe?
Yes — Houston Police is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Mountain Star safe?
Yes — Mountain Star is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Houston Police vs Mountain Star?
Houston Police has a net worth ratio of 16.4%, placing it in the top 8% of $100M–1B peers. Mountain Star's ratio is 18.0%, placing it in the top 30% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Houston Police have compared to Mountain Star?
The CFPB database shows 0 complaints against Houston Police, and 0 complaints against Mountain Star. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Houston Police with other Credit Unions in Texas
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
