TellerScore

Amoco Federal Credit Union is a federal credit union headquartered in Texas City, Texas, in business for about 89 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in member shares and deposits, with 3 offices.

Amoco Federal Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 329th. Problem-loan coverage contributes the most (79/100, 10.3%); earnings contributes the least (34/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.20%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.93%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity67/100
Loans ÷ shares: 93.2% · 10.0% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.30%

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 5 points (60 → 55), mostly because the earnings component weakened by 14 points.

TellerScore
555860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202459
Q4 202456
Q1 202556
Q2 202560
Q3 202560
Q4 202560
Q1 202659
Q2 202655
Net worth ratio
7.00%8.13%9.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.76%
Q3 20248.98%
Q4 20249.10%
Q1 20258.84%
Q2 20259.15%
Q3 20259.26%
Q4 20259.14%
Q1 20269.04%
Q2 20269.20%
Delinquent loans (60+ days)
0.48%0.71%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.70%
Q4 20240.87%
Q1 20250.70%
Q2 20250.63%
Q3 20250.74%
Q4 20250.72%
Q1 20260.48%
Q2 20260.93%
Return on assets
0.30%0.55%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.50%
Q3 20240.60%
Q4 20240.55%
Q1 20250.38%
Q2 20250.71%
Q3 20250.80%
Q4 20250.72%
Q1 20260.30%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$1.5B9.20%0.93%0.36%93.2%
Q1 202659$1.5B9.04%0.48%0.30%90.0%
Q4 202560$1.5B9.14%0.72%0.72%91.3%
Q3 202560$1.4B9.26%0.74%0.80%93.9%
Q2 202560$1.4B9.15%0.63%0.71%94.6%
Q1 202556$1.4B8.84%0.70%0.38%92.4%
Q4 202456$1.4B9.10%0.87%0.55%95.0%
Q3 202459$1.4B8.98%0.70%0.60%91.6%
Q2 202459$1.4B8.76%0.57%0.50%93.4%

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 ratio9.20%
14th
Problem loans0.93%
31st
Net charge-offs0.72%
29th
Return on assets0.36%
14th
Loans to deposits93.2%
34th
Uninsured deposits10.0%
41st
Loan-loss reserves0.00%
50th
Texas ratio10.3%
15th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Service Credit UnionCredit union Houston, TX64 out of 100, Moderate$1.5B10.9%0.62%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
Firstlight Federal Credit UnionCredit union El Paso, TX68 out of 100, Moderate$1.6B10.3%0.48%vs
Firstmark Credit UnionCredit union San Antonio, TX65 out of 100, Moderate$1.3B9.6%0.70%vs
Worth Credit UnionCredit union Bedford, TX70 out of 100, Strong$1.3B10.8%0.62%vs

Deposit insurance

Is my money safe at Amoco Federal Credit Union?

Yes. Amoco Federal Credit Union is a federally insured credit union (NCUA charter #2441). 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 10.0% of shares and deposits ($131.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.20%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Amoco Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Amoco Federal Credit Union
Type
Federal credit union
NCUA charter #
2441
RSSD ID
1017573
Primary regulator
NCUA
Established
1937
Headquarters
PO Box 889, Texas City, TX 77592
Employees
319

Quick answers

Amoco Federal Credit Union: common questions

Is Amoco Federal Credit Union NCUA insured?

Yes. Amoco Federal Credit Union is a federally insured credit union (NCUA charter #2441). 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 Amoco Federal Credit Union's TellerScore?

55 out of 100 (Moderate), 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 Amoco Federal Credit Union have?

3 offices as of the latest NCUA data.