TellerScore

Austin Telco Federal Credit Union is a federal credit union headquartered in Austin, Texas, in business for about 85 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.1B in member shares and deposits, with 18 offices.

Austin Telco Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 135th. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (44/100, 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Net worth ratio: 14.04%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity72/100
Loans ÷ shares: 88.0% · 9.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.92%

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 2 points (76 → 78), mostly because the funding & liquidity component weakened by 7 points.

TellerScore
757880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202475
Q4 202475
Q1 202576
Q2 202576
Q3 202576
Q4 202576
Q1 202678
Q2 202678
Net worth ratio
7.00%10.52%14.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.51%
Q3 202413.28%
Q4 202413.36%
Q1 202513.46%
Q2 202513.48%
Q3 202513.56%
Q4 202513.65%
Q1 202613.83%
Q2 202614.04%
Delinquent loans (60+ days)
0.35%0.50%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.54%
Q4 20240.64%
Q1 20250.42%
Q2 20250.41%
Q3 20250.42%
Q4 20250.50%
Q1 20260.37%
Q2 20260.35%
Return on assets
0.47%0.70%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.65%
Q4 20240.61%
Q1 20250.47%
Q2 20250.50%
Q3 20250.47%
Q4 20250.50%
Q1 20260.57%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$2.5B14.04%0.35%0.60%88.0%
Q1 202678$2.5B13.83%0.37%0.57%82.0%
Q4 202576$2.6B13.65%0.50%0.50%81.8%
Q3 202576$2.5B13.56%0.42%0.47%81.9%
Q2 202576$2.5B13.48%0.41%0.50%81.1%
Q1 202576$2.5B13.46%0.42%0.47%80.8%
Q4 202475$2.5B13.36%0.64%0.61%82.6%
Q3 202475$2.5B13.28%0.54%0.65%84.7%
Q2 202480$2.5B13.51%0.41%0.94%84.6%

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 ratio14.04%
89th
Problem loans0.35%
85th
Net charge-offs0.26%
81st
Return on assets0.60%
30th
Loans to deposits88.0%
51st
Uninsured deposits9.1%
52nd
Loan-loss reserves0.00%
50th
Texas ratio1.9%
88th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texans Credit UnionCredit union Richardson, TX70 out of 100, Strong$2.6B11.1%0.69%vs
A+ Federal Credit UnionCredit union Austin, TX61 out of 100, Moderate$2.6B13.7%2.08%vs
Credit Union of TexasCredit union Allen, TX43 out of 100, Below average$2.6B8.1%1.59%vs
Jsc Federal Credit UnionCredit union Houston, TX66 out of 100, Moderate$2.6B12.0%1.08%vs
Advancial Federal Credit UnionCredit union Dallas, TX43 out of 100, Below average$2.4B8.0%1.33%vs
Texas Trust Credit UnionCredit union Mansfield, TX62 out of 100, Moderate$2.1B10.6%0.94%vs

Deposit insurance

Is my money safe at Austin Telco Federal Credit Union?

Yes. Austin Telco Federal Credit Union is a federally insured credit union (NCUA charter #4584). 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 9.1% of shares and deposits ($191.7M) 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 14.04%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Austin Telco Federal Credit Union lists 18 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Austin Telco Federal Credit Union
Type
Federal credit union
NCUA charter #
4584
RSSD ID
774
Primary regulator
NCUA
Established
1941
Headquarters
11149 Research Blvd, Austin, TX 78759
Employees
284

Quick answers

Austin Telco Federal Credit Union: common questions

Is Austin Telco Federal Credit Union NCUA insured?

Yes. Austin Telco Federal Credit Union is a federally insured credit union (NCUA charter #4584). 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 Telco 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 Austin Telco Federal Credit Union have?

18 offices as of the latest NCUA data.