TellerScore

Abilene Teachers Federal Credit Union (NCUA charter #6743) is based in Abilene, Texas. Its Q2 2026 call report shows $690.4M in total assets and $547.0M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Abilene Teachers Federal Credit Union scores 95/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 14th. Its strongest component is capital cushion (100/100; 18.82%), and its lowest is funding & liquidity (84/100; 76% loans-to-deposits, 5% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.82%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings100/100
Return on assets (annualized): 2.56%
Funding & liquidity84/100
Loans ÷ shares: 75.9% · 5.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (91 → 95), mostly because the earnings component improved by 18 points.

TellerScore
859196Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202488
Q1 202589
Q2 202591
Q3 202592
Q4 202592
Q1 202696
Q2 202695
Net worth ratio
7.00%12.91%18.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.34%
Q3 202417.48%
Q4 202417.83%
Q1 202517.69%
Q2 202518.03%
Q3 202518.21%
Q4 202518.20%
Q1 202618.24%
Q2 202618.82%
Delinquent loans (60+ days)
0.12%0.30%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.49%
Q4 20240.46%
Q1 20250.17%
Q2 20250.30%
Q3 20250.28%
Q4 20250.30%
Q1 20260.12%
Q2 20260.31%
Return on assets
1.04%1.80%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.18%
Q4 20241.31%
Q1 20251.12%
Q2 20251.56%
Q3 20251.69%
Q4 20251.63%
Q1 20261.89%
Q2 20262.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$690.4M18.82%0.31%2.56%75.9%
Q1 202696$681.6M18.24%0.12%1.89%75.0%
Q4 202592$665.5M18.20%0.30%1.63%76.3%
Q3 202592$650.5M18.21%0.28%1.69%77.3%
Q2 202591$639.0M18.03%0.30%1.56%78.1%
Q1 202589$632.9M17.69%0.17%1.12%77.2%
Q4 202488$618.0M17.83%0.46%1.31%78.7%
Q3 202486$615.2M17.48%0.49%1.18%78.1%
Q2 202485$607.0M17.34%0.48%1.04%77.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.82%
96th
Problem loans0.31%
81st
Net charge-offs0.32%
54th
Return on assets2.56%
100th
Loans to deposits75.9%
50th
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Members Choice Credit UnionCredit union Houston, TX50 out of 100, Below average$720.9M7.8%0.77%vs
Generations Community Federal Credit UnionCredit union San Antonio, TX57 out of 100, Moderate$734.6M9.3%0.88%vs
Primeway Federal Credit UnionCredit union Houston, TX60 out of 100, Moderate$735.7M12.8%1.33%vs
City Credit UnionCredit union Dallas, TX73 out of 100, Strong$629.8M12.3%1.23%vs
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs

Deposit insurance

Is my money safe at Abilene Teachers Federal Credit Union?

Yes. Abilene Teachers Federal Credit Union is a federally insured credit union (NCUA charter #6743). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($27.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 18.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Abilene Teachers Federal Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Abilene Teachers Federal Credit Union reported 213 home-loan applications under HMDA (LEI 549300A8TEVE8WYT0T29): 135 originated ($10,775,000 total), 58 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Abilene Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
6743
RSSD ID
877284
Primary regulator
NCUA
Established
1950
Headquarters
PO Box 5706, Abilene, TX 79608
Employees
146

Quick answers

Abilene Teachers Federal Credit Union: common questions

Is Abilene Teachers Federal Credit Union NCUA insured?

Yes. Abilene Teachers Federal Credit Union is a federally insured credit union (NCUA charter #6743). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Abilene Teachers Federal Credit Union's TellerScore?

95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Abilene Teachers Federal Credit Union have?

4 offices as of the latest NCUA data.