TellerScore

B. P. S. Federal Credit Union is a federal credit union headquartered in Beeville, Texas, in business for about 67 years. At the end of Q2 2026 it reported $2.9M in total assets and $1.1M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, B. P. S. Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 134th. Its strongest component is capital cushion (100/100; 61.73%), and its lowest is earnings (52/100; 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 61.73%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity63/100
Loans ÷ shares: 96.8% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.43%

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 8 points (87 → 79), mostly because the loan quality component weakened by 22 points.

TellerScore
798692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202492
Q4 202490
Q1 202589
Q2 202587
Q3 202586
Q4 202581
Q1 202682
Q2 202679
Net worth ratio
7.00%34.36%61.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202455.16%
Q3 202455.09%
Q4 202455.49%
Q1 202559.31%
Q2 202559.46%
Q3 202559.34%
Q4 202561.30%
Q1 202661.72%
Q2 202661.73%
Delinquent loans (60+ days)
0.00%0.36%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.00%
Q4 20240.00%
Q1 20250.08%
Q2 20250.05%
Q3 20250.10%
Q4 20250.53%
Q1 20260.39%
Q2 20260.72%
Return on assets
0.80%1.10%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.39%
Q3 20241.33%
Q4 20241.26%
Q1 20251.40%
Q2 20251.11%
Q3 20251.10%
Q4 20250.99%
Q1 20260.82%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$2.9M61.73%0.72%0.80%96.8%
Q1 202682$2.9M61.72%0.39%0.82%97.5%
Q4 202581$2.9M61.30%0.53%0.99%103.4%
Q3 202586$3.0M59.34%0.10%1.10%98.1%
Q2 202587$3.0M59.46%0.05%1.11%100.0%
Q1 202589$3.0M59.31%0.08%1.40%95.3%
Q4 202490$3.1M55.49%0.00%1.26%88.6%
Q3 202492$3.2M55.09%0.00%1.33%76.7%
Q2 202492$3.1M55.16%0.10%1.39%75.0%

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 ratio61.73%
100th
Problem loans0.72%
49th
Net charge-offs0.00%
77th
Return on assets0.80%
58th
Loans to deposits96.8%
5th
Uninsured deposits0.0%
81st
Loan-loss reserves0.83%
81st
Texas ratio0.4%
76th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs
Our Mother of Mercy Parish Houston Federal Credit UnionCredit union Houston, TX72 out of 100, Strong$2.9M15.7%0.93%vs
Longview Federal Credit UnionCredit union White Oak, TX58 out of 100, Moderate$3.0M26.7%2.41%vs
Jafari No-Interest Credit UnionCredit union Houston, TX100 out of 100, Very strong$2.7M21.0%0.00%vs
Sp Trainmen Federal Credit UnionCredit union Houston, TX31 out of 100, Low$2.7M9.8%26.03%vs
Lefors Federal Credit UnionCredit union Lefors, TX75 out of 100, Strong$3.0M23.2%1.12%vs

Deposit insurance

Is my money safe at B. P. S. Federal Credit Union?

Yes. B. P. S. Federal Credit Union is a federally insured credit union (NCUA charter #13062). 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 61.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

B. P. S. Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
B. P. S. Federal Credit Union
Type
Federal credit union
NCUA charter #
13062
RSSD ID
871581
Primary regulator
NCUA
Established
1959
Headquarters
906 W Corpus Christi St, Beeville, TX 78102
Employees
2

Quick answers

B. P. S. Federal Credit Union: common questions

Is B. P. S. Federal Credit Union NCUA insured?

Yes. B. P. S. Federal Credit Union is a federally insured credit union (NCUA charter #13062). 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 B. P. S. Federal Credit Union's TellerScore?

79 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 B. P. S. Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beeville

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs
The First State BankBank Louise, TX61 out of 100, Moderate$895.2M10.6%2.16%vs