Bp Federal Credit Union is a federal credit union headquartered in Houston, Texas, in business for about 89 years. At the end of Q2 2026 it reported $124.4M in total assets and $107.5M in member shares and deposits, with 7 offices across 2 states.
Bp Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 227th. Capital cushion contributes the most (90/100, 13.98%); earnings contributes the least (30/100, 0.26%).
TellerScore · Q2 2026
Scorecard
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 2 points (71 → 69), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 68 |
| Q2 2025 | 71 |
| Q3 2025 | 68 |
| Q4 2025 | 70 |
| Q1 2026 | 72 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.34% |
| Q3 2024 | 13.10% |
| Q4 2024 | 13.27% |
| Q1 2025 | 12.94% |
| Q2 2025 | 13.66% |
| Q3 2025 | 13.93% |
| Q4 2025 | 14.13% |
| Q1 2026 | 13.26% |
| Q2 2026 | 13.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.02% |
| Q1 2025 | -0.21% |
| Q2 2025 | -0.22% |
| Q3 2025 | -0.15% |
| Q4 2025 | -0.05% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $124.4M | 13.98% | 0.81% | 0.26% | 100.3% |
| Q1 2026 | 72 | $130.5M | 13.26% | 0.37% | 0.23% | 94.4% |
| Q4 2025 | 70 | $121.9M | 14.13% | 0.42% | -0.05% | 105.1% |
| Q3 2025 | 68 | $123.0M | 13.93% | 0.50% | -0.15% | 105.8% |
| Q2 2025 | 71 | $125.5M | 13.66% | 0.12% | -0.22% | 104.5% |
| Q1 2025 | 68 | $133.0M | 12.94% | 0.22% | -0.21% | 98.7% |
| Q4 2024 | 71 | $130.2M | 13.27% | 0.17% | 0.02% | 102.4% |
| Q3 2024 | 71 | $132.0M | 13.10% | 0.11% | 0.04% | 100.1% |
| Q2 2024 | 72 | $130.2M | 13.34% | 0.15% | 0.17% | 106.4% |
1,341 peers · $100 million – $1 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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Telco Plus Credit UnionCredit union Longview, TX | 54 out of 100, Below average | $124.3M | 9.3% | 0.31% | vs |
| One Source Federal Credit UnionCredit union El Paso, TX | 63 out of 100, Moderate | $124.0M | 10.3% | 0.27% | vs |
| Tarrant County'S Credit UnionCredit union Fort Worth, TX | 53 out of 100, Below average | $123.7M | 9.6% | 0.80% | vs |
| United Community Credit UnionCredit union Houston, TX | 69 out of 100, Moderate | $127.9M | 12.0% | 1.05% | vs |
| Texoma Educators Federal Credit UnionCredit union Sherman, TX | 87 out of 100, Very strong | $128.1M | 14.8% | 0.96% | vs |
| Valley Federal Credit UnionCredit union Brownsville, TX | 73 out of 100, Strong | $119.1M | 12.6% | 0.46% | vs |
Deposit insurance
Is my money safe at Bp Federal Credit Union?
Yes. Bp Federal Credit Union is a federally insured credit union (NCUA charter #24445). 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 11.7% of shares and deposits ($12.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 13.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Bp Federal Credit Union lists 7 offices in 3 cities across 2 states. Most locations:
- Houston, TX (5)
- Plano, TX (1)
- Troy, MI (1)
HMDA 2025
Mortgage lending
In 2025, Bp Federal Credit Union reported 30 home-loan applications under HMDA (LEI 54930076PACNHY6U9F09): 30 originated ($7,550,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bp Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24445
- RSSD ID
- 840998
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- 13501 Katy Fwy Ste 1150, Houston, TX 77079
- Employees
- 20
Quick answers
Bp Federal Credit Union: common questions
Is Bp Federal Credit Union NCUA insured?
Yes. Bp Federal Credit Union is a federally insured credit union (NCUA charter #24445). 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 Bp Federal Credit Union's TellerScore?
69 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 Bp Federal Credit Union have?
7 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |