TellerScore

Headquartered in Palestine, Texas, Anderson County Federal Credit Union is a federal credit union with $27.3M in total assets and $22.6M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1954.

Anderson County Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 139th. Capital cushion contributes the most (100/100, 17.24%); loan quality contributes the least (23/100, 2.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.24%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.32%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity100/100
Loans ÷ shares: 40.2% · 10.5% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.47%

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 13 points (91 → 78), mostly because the loan quality component weakened by 49 points.

TellerScore
788591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202487
Q4 202491
Q1 202582
Q2 202591
Q3 202588
Q4 202588
Q1 202680
Q2 202678
Net worth ratio
7.00%12.12%17.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.38%
Q3 202416.04%
Q4 202416.33%
Q1 202516.30%
Q2 202516.80%
Q3 202517.03%
Q4 202516.73%
Q1 202616.81%
Q2 202617.24%
Delinquent loans (60+ days)
0.75%1.53%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.50%
Q3 20241.22%
Q4 20241.01%
Q1 20251.80%
Q2 20250.85%
Q3 20250.75%
Q4 20251.10%
Q1 20262.25%
Q2 20262.32%
Return on assets
1.30%1.64%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.65%
Q3 20241.77%
Q4 20241.99%
Q1 20251.67%
Q2 20251.77%
Q3 20251.30%
Q4 20251.70%
Q1 20261.94%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$27.3M17.24%2.32%1.73%40.2%
Q1 202680$27.4M16.81%2.25%1.94%38.2%
Q4 202588$26.7M16.73%1.10%1.70%37.9%
Q3 202588$25.5M17.03%0.75%1.30%40.1%
Q2 202591$25.3M16.80%0.85%1.77%38.8%
Q1 202582$25.3M16.30%1.80%1.67%39.1%
Q4 202491$24.6M16.33%1.01%1.99%37.9%
Q3 202487$24.2M16.04%1.22%1.77%36.9%
Q2 202484$24.4M15.38%1.50%1.65%37.4%

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 ratio17.24%
66th
Problem loans2.32%
17th
Net charge-offs0.20%
48th
Return on assets1.73%
90th
Loans to deposits40.2%
78th
Uninsured deposits10.5%
6th
Loan-loss reserves0.00%
37th
Texas ratio4.5%
32nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Dallas U.P. Employees Credit UnionCredit union Dallas, TX81 out of 100, Strong$27.2M24.3%1.54%vs
Yantis Federal Credit UnionCredit union Yantis, TX82 out of 100, Strong$26.8M13.4%0.01%vs
Texhillco School Employees Federal Credit UnionCredit union Kerrville, TX58 out of 100, Moderate$26.7M9.9%0.61%vs
Union Fidelity Federal Credit UnionCredit union Houston, TX75 out of 100, Strong$28.2M19.7%1.21%vs
Rocket Federal Credit UnionCredit union McGregor, TX40 out of 100, Below average$28.3M9.9%2.40%vs
Tyler City Employees Credit UnionCredit union Tyler, TX73 out of 100, Strong$28.4M16.0%1.04%vs

Deposit insurance

Is my money safe at Anderson County Federal Credit Union?

Yes. Anderson County Federal Credit Union is a federally insured credit union (NCUA charter #9880). 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 10.5% of shares and deposits ($2.4M) 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 17.24%, well 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

Anderson County Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Anderson County Federal Credit Union
Type
Federal credit union
NCUA charter #
9880
RSSD ID
923284
Primary regulator
NCUA
Established
1954
Headquarters
P O Box 222, Palestine, TX 75802
Employees
6

Quick answers

Anderson County Federal Credit Union: common questions

Is Anderson County Federal Credit Union NCUA insured?

Yes. Anderson County Federal Credit Union is a federally insured credit union (NCUA charter #9880). 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 Anderson County 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 Anderson County Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Palestine

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Cherokee County Federal Credit UnionCredit union Rusk, TX78 out of 100, Strong$44.8M27.3%1.11%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs