TellerScore

Amarillo Postal Employees Credit Union is a federally insured state-chartered credit union headquartered in Amarillo, Texas, in business for about 95 years. At the end of Q2 2026 it reported $19.5M in total assets and $16.9M in member shares and deposits, with 1 office.

Amarillo Postal Employees Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 150th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 4% uninsured); earnings contributes the least (22/100, 0.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.75%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings22/100
Return on assets (annualized): 0.06%
Funding & liquidity100/100
Loans ÷ shares: 45.6% · 4.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.40%

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 fell 2 points (79 → 77), mostly because the capital cushion component weakened by 4 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202473
Q4 202480
Q1 202572
Q2 202579
Q3 202579
Q4 202579
Q1 202676
Q2 202677
Net worth ratio
7.00%10.11%13.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.74%
Q3 202413.17%
Q4 202413.22%
Q1 202512.89%
Q2 202513.22%
Q3 202512.89%
Q4 202513.03%
Q1 202612.60%
Q2 202612.75%
Delinquent loans (60+ days)
0.00%0.40%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.65%
Q4 20240.00%
Q1 20250.80%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.03%
Q2 20260.13%
Return on assets
-0.13%0.02%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.09%
Q4 20240.14%
Q1 20250.17%
Q2 20250.10%
Q3 20250.13%
Q4 20250.16%
Q1 2026-0.13%
Q2 20260.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$19.5M12.75%0.13%0.06%45.6%
Q1 202676$19.6M12.60%0.03%-0.13%46.9%
Q4 202579$19.1M13.03%0.00%0.16%44.9%
Q3 202579$19.2M12.89%0.00%0.13%45.7%
Q2 202579$18.7M13.22%0.00%0.10%44.0%
Q1 202572$19.2M12.89%0.80%0.17%43.9%
Q4 202480$18.6M13.22%0.00%0.14%48.3%
Q3 202473$18.7M13.17%0.65%0.09%47.0%
Q2 202478$19.2M12.74%0.00%0.05%47.5%

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 ratio12.75%
37th
Problem loans0.13%
78th
Net charge-offs0.12%
55th
Return on assets0.06%
21st
Loans to deposits45.6%
70th
Uninsured deposits4.4%
25th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Germania Credit UnionCredit union Brenham, TX81 out of 100, Strong$19.5M12.6%0.00%vs
Corner Stone Credit UnionCredit union Lancaster, TX59 out of 100, Moderate$20.0M9.4%0.53%vs
Brazos Community Credit UnionCredit union Alvin, TX57 out of 100, Moderate$20.0M17.0%2.10%vs
Texstar Federal Credit UnionCredit union Kenedy, TX53 out of 100, Below average$20.0M13.6%3.86%vs
Temple-Inland Federal Credit UnionCredit union Diboll, TX86 out of 100, Very strong$20.1M18.3%0.68%vs
Port Arthur Community Federal Credit UnionCredit union Port Arthur, TX66 out of 100, Moderate$20.2M12.2%0.38%vs

Deposit insurance

Is my money safe at Amarillo Postal Employees Credit Union?

Yes. Amarillo Postal Employees Credit Union is a federally insured credit union (NCUA charter #67639). 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 4.4% of shares and deposits ($733K) 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 12.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Amarillo Postal Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Amarillo Postal Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67639
RSSD ID
648699
Primary regulator
State + NCUA
Established
1931
Headquarters
P.O. 30003, Amarillo, TX 79120
Employees
4

Quick answers

Amarillo Postal Employees Credit Union: common questions

Is Amarillo Postal Employees Credit Union NCUA insured?

Yes. Amarillo Postal Employees Credit Union is a federally insured credit union (NCUA charter #67639). 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 Amarillo Postal Employees Credit Union's TellerScore?

77 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 Amarillo Postal Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amarillo

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs