Andrews School Federal Credit Union (NCUA charter #10739) is based in Andrews, Texas. Its Q2 2026 call report shows $6.7M in total assets and $4.8M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Andrews School Federal Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 89th. Its strongest component is capital cushion (100/100; 28.20%), and its lowest is earnings (50/100; 0.75%).
TellerScore · Q2 2026
Scorecard
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 9 points (75 → 84), mostly because the loan quality component improved by 61 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 94 |
| Q4 2024 | 83 |
| Q1 2025 | 94 |
| Q2 2025 | 75 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 65 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 24.88% |
| Q3 2024 | 25.78% |
| Q4 2024 | 25.77% |
| Q1 2025 | 26.89% |
| Q2 2025 | 27.62% |
| Q3 2025 | 27.77% |
| Q4 2025 | 27.87% |
| Q1 2026 | 28.60% |
| Q2 2026 | 28.20% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.16% |
| Q1 2025 | 0.28% |
| Q2 2025 | 2.31% |
| Q3 2025 | 3.65% |
| Q4 2025 | 4.32% |
| Q1 2026 | 3.13% |
| Q2 2026 | 0.47% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.48% |
| Q1 2025 | 2.10% |
| Q2 2025 | 1.88% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.26% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $6.7M | 28.20% | 0.47% | 0.75% | 73.2% |
| Q1 2026 | 65 | $6.6M | 28.60% | 3.13% | 1.26% | 76.4% |
| Q4 2025 | 67 | $6.7M | 27.87% | 4.32% | 1.43% | 75.0% |
| Q3 2025 | 69 | $6.7M | 27.77% | 3.65% | 1.83% | 80.4% |
| Q2 2025 | 75 | $6.7M | 27.62% | 2.31% | 1.88% | 85.0% |
| Q1 2025 | 94 | $6.8M | 26.89% | 0.28% | 2.10% | 83.8% |
| Q4 2024 | 83 | $6.9M | 25.77% | 1.16% | 1.48% | 78.6% |
| Q3 2024 | 94 | $6.8M | 25.78% | 0.00% | 1.60% | 77.4% |
| Q2 2024 | 91 | $7.0M | 24.88% | 0.43% | 1.49% | 72.3% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sherwin Federal Credit UnionCredit union Portland, TX | 76 out of 100, Strong | $6.6M | 34.4% | 0.00% | vs |
| Sweetwater Regional Federal Credit UnionCredit union Sweetwater, TX | 79 out of 100, Strong | $6.6M | 19.5% | 0.11% | vs |
| Galveston Government Employees Credit UnionCredit union Dickinson, TX | 32 out of 100, Low | $6.8M | 9.3% | 3.07% | vs |
| Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX | 83 out of 100, Strong | $6.9M | 31.9% | 0.40% | vs |
| Coburn Credit UnionCredit union Beaumont, TX | 53 out of 100, Below average | $6.5M | 22.3% | 4.97% | vs |
| Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX | 80 out of 100, Strong | $7.0M | 14.7% | 0.06% | vs |
Deposit insurance
Is my money safe at Andrews School Federal Credit Union?
Yes. Andrews School Federal Credit Union is a federally insured credit union (NCUA charter #10739). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 28.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Andrews School Federal Credit Union lists 1 office in 1 city. Most locations:
- Andrews, TX (1)
Identity & history
Profile
- Legal name
- Andrews School Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10739
- RSSD ID
- 895185
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- PO Box 2049, Andrews, TX 79714
- Employees
- 3
Quick answers
Andrews School Federal Credit Union: common questions
Is Andrews School Federal Credit Union NCUA insured?
Yes. Andrews School Federal Credit Union is a federally insured credit union (NCUA charter #10739). 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 Andrews School Federal Credit Union's TellerScore?
84 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 Andrews School Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Andrews
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| First Basin Credit UnionCredit union Odessa, TX | 75 out of 100, Strong | $343.2M | 11.5% | 0.29% | vs |
| American Momentum BankBank College Station, TX | 57 out of 100, Moderate | $2.8B | 19.2% | 3.52% | vs |
| The National Bank of AndrewsBank Andrews, TX | 49 out of 100, Below average | $340.5M | 10.1% | 3.05% | vs |