The Houston Texans are a professional American football team based in Houston, Texas.

The team competes in the National Football League (NFL) as a member club of the American Football Conference (AFC) South division.

The Texans first played in 2002 as an expansion team, making them the youngest franchise in the NFL currently.

The Texans replaced Houston's previous franchise, the Houston Oilers, which moved to Nashville, Tennessee and are now the Tennessee Titans.

The team's majority owner is Bob McNair.

While the team mainly struggled in the 2000s, they clinched its first playoff berth during the 2011 season as AFC South division champions.

The Texans have gone on to win more AFC South championships in 2012, 2015, and 2016.

To date, the Texans are the only NFL franchise to have never played in a conference championship game.

A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members.

Wealth is the abundance of valuable resources or valuable material possessions.

This includes the core meaning as held in the originating old English word weal, which is from an Indo-European word stem.

An individual, community, region or country that possesses an abundance of such possessions or resources to the benefit of the common good is known as wealthy.

In finance, unsecured debt refers to any type of debt or general obligation that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment.

A business (also known as an enterprise, a company or a firm) is an organizational entity involved in the provision of goods and services to consumers.

Businesses serve as a form of economic activity, and are prevalent in capitalist economies, where most of them are privately owned and provide goods and services allocated through a market to consumers and customers in exchange for other goods, services, money, or other forms of exchange that hold intrinsic economic value.

Businesses may also be social non-profit enterprises or state-owned public enterprises operated by governments with specific social and economic objectives.

A business owned by multiple private individuals may form as an incorporated company or jointly organise as a partnership.

Countries have different laws that may ascribe different rights to the various business entities.