TellerScore

Headquartered in Fort Worth, Texas, Alcon Employees Federal Credit Union is a federal credit union with $29.9M in total assets and $23.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1972.

Based on its Q2 2026 filing, Alcon Employees Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 138th. Its strongest component is capital cushion (100/100; 21.70%), and its lowest is earnings (12/100; -0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.70%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.07%
Earnings12/100
Return on assets (annualized): -0.19%
Funding & liquidity76/100
Loans ÷ shares: 84.6% · 4.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.20%

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 2 points (76 → 78), mostly because the loan quality component improved by 11 points.

TellerScore
757880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202480
Q1 202579
Q2 202576
Q3 202577
Q4 202578
Q1 202675
Q2 202678
Net worth ratio
7.00%14.69%22.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.97%
Q3 202421.18%
Q4 202421.86%
Q1 202520.55%
Q2 202521.47%
Q3 202522.25%
Q4 202522.38%
Q1 202621.45%
Q2 202621.70%
Delinquent loans (60+ days)
0.07%0.23%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.31%
Q4 20240.17%
Q1 20250.11%
Q2 20250.40%
Q3 20250.26%
Q4 20250.26%
Q1 20260.30%
Q2 20260.07%
Return on assets
-0.30%-0.01%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.27%
Q4 20240.23%
Q1 2025-0.09%
Q2 2025-0.08%
Q3 20250.02%
Q4 20250.04%
Q1 2026-0.30%
Q2 2026-0.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$29.9M21.70%0.07%-0.19%84.6%
Q1 202675$30.3M21.45%0.30%-0.30%83.6%
Q4 202578$29.1M22.38%0.26%0.04%87.7%
Q3 202577$29.3M22.25%0.26%0.02%88.8%
Q2 202576$30.3M21.47%0.40%-0.08%85.6%
Q1 202579$31.7M20.55%0.11%-0.09%82.6%
Q4 202480$29.8M21.86%0.17%0.23%91.1%
Q3 202479$30.8M21.18%0.31%0.27%93.1%
Q2 202479$32.5M19.97%0.36%0.27%88.0%

2,479 peers · Under $100 million in assets

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 ratio21.70%
82nd
Problem loans0.07%
82nd
Net charge-offs0.23%
44th
Return on assets-0.19%
15th
Loans to deposits84.6%
14th
Uninsured deposits4.2%
26th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
United Energy Credit UnionCredit union Humble, TX77 out of 100, Strong$30.0M16.5%0.55%vs
Texas Community Federal Credit UnionCredit union Kingsville, TX79 out of 100, Strong$30.1M14.7%1.29%vs
Valwood Park Federal Credit UnionCredit union Carrollton, TX67 out of 100, Moderate$29.7M10.1%0.41%vs
United Credit UnionCredit union Tyler, TX58 out of 100, Moderate$29.6M7.1%0.64%vs
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
U. S. I. Federal Credit UnionCredit union Deer Park, TX67 out of 100, Moderate$29.4M18.0%1.31%vs

Deposit insurance

Is my money safe at Alcon Employees Federal Credit Union?

Yes. Alcon Employees Federal Credit Union is a federally insured credit union (NCUA charter #20990). 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 4.2% of shares and deposits ($984K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Alcon Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Alcon Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
20990
RSSD ID
606989
Primary regulator
NCUA
Established
1972
Headquarters
6201 South Fwy, Fort Worth, TX 76134
Employees
6

Quick answers

Alcon Employees Federal Credit Union: common questions

Is Alcon Employees Federal Credit Union NCUA insured?

Yes. Alcon Employees Federal Credit Union is a federally insured credit union (NCUA charter #20990). 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 Alcon Employees Federal Credit Union's TellerScore?

78 out of 100 (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 Alcon Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs
American First National BankBank Houston, TX87 out of 100, Very strong$2.9B14.4%0.42%vs