TellerScore

Austin Federal Credit Union (NCUA charter #17955) is based in Austin, Texas. Its Q2 2026 call report shows $38.4M in total assets and $34.6M in member shares and deposits and 1 office.

Austin Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 310th. Funding & liquidity contributes the most (100/100, 47% loans-to-deposits, 5% uninsured); earnings contributes the least (42/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.25%
Loan quality53/100
Loans 60+ days delinquent ÷ total loans: 1.40%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity100/100
Loans ÷ shares: 47.2% · 4.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.46%

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 3 points (61 → 58), mostly because the loan quality component weakened by 20 points.

TellerScore
515865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202451
Q3 202457
Q4 202463
Q1 202563
Q2 202561
Q3 202560
Q4 202563
Q1 202665
Q2 202658
Net worth ratio
7.00%8.13%9.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.49%
Q3 20248.87%
Q4 20248.96%
Q1 20259.02%
Q2 20258.98%
Q3 20259.06%
Q4 20259.03%
Q1 20269.10%
Q2 20269.25%
Delinquent loans (60+ days)
0.63%1.30%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.97%
Q3 20241.57%
Q4 20241.00%
Q1 20250.63%
Q2 20250.81%
Q3 20250.96%
Q4 20250.69%
Q1 20260.69%
Q2 20261.40%
Return on assets
0.35%0.70%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.06%
Q3 20241.04%
Q4 20240.99%
Q1 20250.37%
Q2 20250.35%
Q3 20250.37%
Q4 20250.38%
Q1 20260.62%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$38.4M9.25%1.40%0.56%47.2%
Q1 202665$39.3M9.10%0.69%0.62%49.2%
Q4 202563$39.1M9.03%0.69%0.38%50.6%
Q3 202560$38.3M9.06%0.96%0.37%55.0%
Q2 202561$37.5M8.98%0.81%0.35%60.0%
Q1 202563$37.8M9.02%0.63%0.37%62.7%
Q4 202463$36.9M8.96%1.00%0.99%69.3%
Q3 202457$36.4M8.87%1.57%1.04%73.9%
Q2 202451$37.0M8.49%1.97%1.06%73.1%

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 ratio9.25%
11th
Problem loans1.40%
30th
Net charge-offs0.74%
20th
Return on assets0.56%
45th
Loans to deposits47.2%
68th
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio6.5%
23rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Members Financial Federal Credit UnionCredit union Midland, TX64 out of 100, Moderate$38.6M8.8%0.16%vs
Aspire Credit UnionCredit union Lufkin, TX94 out of 100, Very strong$38.0M20.5%0.05%vs
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Golden Triangle Federal Credit UnionCredit union Groves, TX79 out of 100, Strong$37.9M18.6%0.63%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs
Caprock Federal Credit UnionCredit union Lamesa, TX56 out of 100, Moderate$40.4M11.5%1.43%vs

Deposit insurance

Is my money safe at Austin Federal Credit Union?

Yes. Austin Federal Credit Union is a federally insured credit union (NCUA charter #17955). 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 4.8% of shares and deposits ($1.7M) 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 9.25%, 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

Austin Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Austin Federal Credit Union
Type
Federal credit union
NCUA charter #
17955
RSSD ID
912082
Primary regulator
NCUA
Established
1967
Headquarters
1900 Woodward St, Austin, TX 78741
Employees
10

Quick answers

Austin Federal Credit Union: common questions

Is Austin Federal Credit Union NCUA insured?

Yes. Austin Federal Credit Union is a federally insured credit union (NCUA charter #17955). 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 Austin Federal Credit Union's TellerScore?

58 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 Austin Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs