TellerScore

Headquartered in Houston, Texas, Bcm Federal Credit Union is a federal credit union with $42.7M in total assets and $37.2M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1959.

Based on its Q2 2026 filing, Bcm Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 111th. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 6% uninsured), and its lowest is earnings (66/100; 1.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.57%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity100/100
Loans ÷ shares: 59.3% · 6.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.10%

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 6 points (75 → 81), mostly because the loan quality component improved by 24 points.

TellerScore
617181Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202469
Q4 202465
Q1 202573
Q2 202575
Q3 202573
Q4 202575
Q1 202679
Q2 202681
Net worth ratio
7.00%9.79%12.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.90%
Q3 202410.79%
Q4 202411.24%
Q1 202511.67%
Q2 202511.98%
Q3 202512.39%
Q4 202512.20%
Q1 202612.37%
Q2 202612.57%
Delinquent loans (60+ days)
0.51%1.28%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.67%
Q3 20241.45%
Q4 20242.04%
Q1 20251.31%
Q2 20251.22%
Q3 20251.49%
Q4 20251.00%
Q1 20260.67%
Q2 20260.51%
Return on assets
1.01%1.20%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.33%
Q4 20241.37%
Q1 20251.38%
Q2 20251.39%
Q3 20251.31%
Q4 20251.11%
Q1 20261.05%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$42.7M12.57%0.51%1.15%59.3%
Q1 202679$42.3M12.37%0.67%1.05%60.6%
Q4 202575$41.9M12.20%1.00%1.11%59.4%
Q3 202573$42.0M12.39%1.49%1.31%59.0%
Q2 202575$42.5M11.98%1.22%1.39%57.0%
Q1 202573$42.4M11.67%1.31%1.38%58.1%
Q4 202465$42.7M11.24%2.04%1.37%56.9%
Q3 202469$44.6M10.79%1.45%1.33%54.9%
Q2 202461$46.5M9.90%1.67%1.01%51.0%

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 ratio12.57%
36th
Problem loans0.51%
58th
Net charge-offs1.35%
9th
Return on assets1.15%
74th
Loans to deposits59.3%
49th
Uninsured deposits6.2%
16th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Travis County Credit UnionCredit union Austin, TX49 out of 100, Below average$42.7M9.4%2.24%vs
Old Ocean Federal Credit UnionCredit union Sweeny, TX98 out of 100, Very strong$41.6M20.5%0.24%vs
Mesquite Credit UnionCredit union Mesquite, TX78 out of 100, Strong$40.8M11.0%0.03%vs
San Angelo Federal Credit UnionCredit union San Angelo, TX84 out of 100, Strong$40.6M12.9%0.73%vs
Cherokee County Federal Credit UnionCredit union Rusk, TX78 out of 100, Strong$44.8M27.3%1.11%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 Bcm Federal Credit Union?

Yes. Bcm Federal Credit Union is a federally insured credit union (NCUA charter #12892). 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 6.2% of shares and deposits ($2.3M) 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 12.57%, 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

Bcm Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bcm Federal Credit Union
Type
Federal credit union
NCUA charter #
12892
RSSD ID
12889
Primary regulator
NCUA
Established
1959
Headquarters
1 Baylor Plz Ste 59E, Mail Stop BCM, Houston, TX 77030
Employees
10

Quick answers

Bcm Federal Credit Union: common questions

Is Bcm Federal Credit Union NCUA insured?

Yes. Bcm Federal Credit Union is a federally insured credit union (NCUA charter #12892). 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 Bcm Federal Credit Union's TellerScore?

81 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 Bcm Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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