TellerScore

Baker Hughes Federal Credit Union is a federal credit union headquartered in Houston, Texas, in business for about 62 years. At the end of Q2 2026 it reported $11.2M in total assets and $9.8M in member shares and deposits, with 3 offices.

Baker Hughes Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 253rd. Funding & liquidity contributes the most (100/100, 14% loans-to-deposits, 1% uninsured); earnings contributes the least (0/100, -0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.77%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings0/100
Return on assets (annualized): -0.77%
Funding & liquidity100/100
Loans ÷ shares: 13.5% · 0.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.77%

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 (69 → 66), mostly because the earnings component weakened by 24 points.

TellerScore
586572Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202458
Q4 202459
Q1 202567
Q2 202569
Q3 202572
Q4 202565
Q1 202666
Q2 202666
Net worth ratio
7.00%9.88%12.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.36%
Q3 202411.31%
Q4 202411.90%
Q1 202511.84%
Q2 202512.06%
Q3 202512.40%
Q4 202512.54%
Q1 202612.56%
Q2 202612.77%
Delinquent loans (60+ days)
0.64%1.38%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.10%
Q3 20242.01%
Q4 20242.11%
Q1 20251.08%
Q2 20250.84%
Q3 20250.64%
Q4 20251.34%
Q1 20260.77%
Q2 20260.84%
Return on assets
-0.84%-0.28%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.28%
Q4 20240.25%
Q1 20250.23%
Q2 20250.09%
Q3 20250.17%
Q4 2025-0.06%
Q1 2026-0.84%
Q2 2026-0.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$11.2M12.77%0.84%-0.77%13.5%
Q1 202666$11.6M12.56%0.77%-0.84%15.4%
Q4 202565$11.8M12.54%1.34%-0.06%17.2%
Q3 202572$12.1M12.40%0.64%0.17%18.6%
Q2 202569$12.4M12.06%0.84%0.09%19.4%
Q1 202567$12.6M11.84%1.08%0.23%19.4%
Q4 202459$12.5M11.90%2.11%0.25%20.5%
Q3 202458$13.1M11.31%2.01%0.28%21.0%
Q2 202466$12.9M11.36%1.10%0.27%21.5%

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 ratio12.77%
37th
Problem loans0.84%
45th
Net charge-offs1.53%
8th
Return on assets-0.77%
9th
Loans to deposits13.5%
97th
Uninsured deposits0.7%
56th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Met Tran Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$11.2M14.6%0.12%vs
T & P Longview Federal Credit UnionCredit union Longview, TX86 out of 100, Very strong$11.3M23.6%0.35%vs
Hale County Teachers Federal Credit UnionCredit union Plainview, TX69 out of 100, Moderate$11.1M10.4%0.00%vs
Brownfield Federal Credit UnionCredit union Brownfield, TX74 out of 100, Strong$11.4M34.5%0.57%vs
Reeves County Teachers Credit UnionCredit union Pecos, TX75 out of 100, Strong$11.5M12.1%0.00%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs

Deposit insurance

Is my money safe at Baker Hughes Federal Credit Union?

Yes. Baker Hughes Federal Credit Union is a federally insured credit union (NCUA charter #16271). 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 0.7% of shares and deposits ($73K) 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 12.77%, 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

Baker Hughes Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Baker Hughes Federal Credit Union
Type
Federal credit union
NCUA charter #
16271
RSSD ID
960289
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 2188, Houston, TX 77252
Employees
3

Quick answers

Baker Hughes Federal Credit Union: common questions

Is Baker Hughes Federal Credit Union NCUA insured?

Yes. Baker Hughes Federal Credit Union is a federally insured credit union (NCUA charter #16271). 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 Baker Hughes Federal Credit Union's TellerScore?

66 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 Baker Hughes Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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