TellerScore

Headquartered in Dallas, Texas, Advancial Federal Credit Union is a federal credit union with $2.4B in total assets and $1.9B in member shares and deposits as of Q2 2026. It operates 8 offices across 4 states. Its charter dates back to 1937.

Advancial Federal Credit Union has a TellerScore of 43 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 370th. Problem-loan coverage contributes the most (71/100, 14.6%); earnings contributes the least (30/100, 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 7.98%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.33%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity44/100
Loans ÷ shares: 105.3% · 24.8% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.62%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (44 → 43).

TellerScore
404244Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202442
Q3 202440
Q4 202440
Q1 202544
Q2 202544
Q3 202544
Q4 202542
Q1 202644
Q2 202643
Net worth ratio
7.00%7.49%7.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.80%
Q3 20247.71%
Q4 20247.58%
Q1 20257.61%
Q2 20257.69%
Q3 20257.74%
Q4 20257.91%
Q1 20267.92%
Q2 20267.98%
Delinquent loans (60+ days)
0.89%1.11%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.09%
Q4 20241.07%
Q1 20250.89%
Q2 20251.08%
Q3 20251.04%
Q4 20251.27%
Q1 20261.13%
Q2 20261.33%
Return on assets
-0.31%-0.03%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.12%
Q3 2024-0.31%
Q4 2024-0.28%
Q1 2025-0.05%
Q2 20250.20%
Q3 20250.23%
Q4 20250.14%
Q1 20260.22%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202643$2.4B7.98%1.33%0.25%105.3%
Q1 202644$2.4B7.92%1.13%0.22%104.1%
Q4 202542$2.4B7.91%1.27%0.14%107.1%
Q3 202544$2.4B7.74%1.04%0.23%108.0%
Q2 202544$2.4B7.69%1.08%0.20%105.8%
Q1 202544$2.4B7.61%0.89%-0.05%104.5%
Q4 202440$2.4B7.58%1.07%-0.28%105.4%
Q3 202440$2.4B7.71%1.09%-0.31%105.7%
Q2 202442$2.4B7.80%1.07%-0.12%107.0%

454 peers · $1 billion – $10 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 ratio7.98%
2nd
Problem loans1.33%
15th
Net charge-offs0.74%
27th
Return on assets0.25%
8th
Loans to deposits105.3%
5th
Uninsured deposits24.8%
2nd
Loan-loss reserves0.00%
50th
Texas ratio14.6%
6th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Austin Telco Federal Credit UnionCredit union Austin, TX78 out of 100, Strong$2.5B14.0%0.35%vs
Texans Credit UnionCredit union Richardson, TX70 out of 100, Strong$2.6B11.1%0.69%vs
A+ Federal Credit UnionCredit union Austin, TX61 out of 100, Moderate$2.6B13.7%2.08%vs
Credit Union of TexasCredit union Allen, TX43 out of 100, Below average$2.6B8.1%1.59%vs
Jsc Federal Credit UnionCredit union Houston, TX66 out of 100, Moderate$2.6B12.0%1.08%vs
Texas Trust Credit UnionCredit union Mansfield, TX62 out of 100, Moderate$2.1B10.6%0.94%vs

Deposit insurance

Is my money safe at Advancial Federal Credit Union?

Yes. Advancial Federal Credit Union is a federally insured credit union (NCUA charter #2285). 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 24.8% of shares and deposits ($481.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 7.98%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Advancial Federal Credit Union lists 8 offices in 7 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Advancial Federal Credit Union
Type
Federal credit union
NCUA charter #
2285
RSSD ID
113777
Primary regulator
NCUA
Established
1937
Headquarters
10000 N Central Expy Ste 1400, Dallas, TX 75231
Employees
313

Quick answers

Advancial Federal Credit Union: common questions

Is Advancial Federal Credit Union NCUA insured?

Yes. Advancial Federal Credit Union is a federally insured credit union (NCUA charter #2285). 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 Advancial Federal Credit Union's TellerScore?

43 out of 100 (Below average), 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 Advancial Federal Credit Union have?

8 offices as of the latest NCUA data, in 4 states.