TellerScore

Brazos Valley Schools Credit Union (NCUA charter #66353) is based in Katy, Texas. Its Q2 2026 call report shows $1.0B in total assets and $928.9M in member shares and deposits and 12 offices.

Brazos Valley Schools Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 232nd. Funding & liquidity contributes the most (100/100, 47% loans-to-deposits, 4% uninsured); loan quality contributes the least (56/100, 1.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.63%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.32%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity100/100
Loans ÷ shares: 46.6% · 3.8% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.45%

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 (70 → 68), mostly because the loan quality component weakened by 13 points.

TellerScore
626976Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202462
Q1 202576
Q2 202570
Q3 202569
Q4 202569
Q1 202671
Q2 202668
Net worth ratio
7.00%8.81%10.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.76%
Q3 20249.84%
Q4 20249.76%
Q1 20259.91%
Q2 202510.20%
Q3 202510.41%
Q4 202510.36%
Q1 202610.42%
Q2 202610.63%
Delinquent loans (60+ days)
0.47%0.90%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.78%
Q4 20240.94%
Q1 20250.47%
Q2 20250.94%
Q3 20251.08%
Q4 20251.10%
Q1 20260.77%
Q2 20261.32%
Return on assets
0.13%0.78%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.15%
Q4 20240.27%
Q1 20251.43%
Q2 20251.18%
Q3 20251.11%
Q4 20251.09%
Q1 20261.00%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.0B10.63%1.32%1.10%46.6%
Q1 202671$1.0B10.42%0.77%1.00%46.3%
Q4 202569$1.0B10.36%1.10%1.09%48.2%
Q3 202569$994.1M10.41%1.08%1.11%49.7%
Q2 202570$990.6M10.20%0.94%1.18%49.5%
Q1 202576$996.6M9.91%0.47%1.43%48.5%
Q4 202462$975.0M9.76%0.94%0.27%50.5%
Q3 202462$958.3M9.84%0.78%0.15%51.3%
Q2 202463$961.3M9.76%0.72%0.13%51.1%

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 ratio10.63%
44th
Problem loans1.32%
15th
Net charge-offs1.04%
12th
Return on assets1.10%
73rd
Loans to deposits46.6%
98th
Uninsured deposits3.8%
94th
Loan-loss reserves0.00%
50th
Texas ratio5.4%
42nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Houston Police Federal Credit UnionCredit union Houston, TX87 out of 100, Very strong$1.0B16.4%0.70%vs
Velocity Credit UnionCredit union Austin, TX76 out of 100, Strong$1.1B13.9%0.57%vs
Raiz Federal Credit UnionCredit union El Paso, TX62 out of 100, Moderate$1.1B10.2%0.95%vs
Fivepoint Credit UnionCredit union Nederland, TX57 out of 100, Moderate$1.1B8.8%0.76%vs
Alliance Credit UnionCredit union Lubbock, TX62 out of 100, Moderate$1.1B10.9%1.07%vs
Neighborhood Credit UnionCredit union Dallas, TX59 out of 100, Moderate$1.1B10.8%1.54%vs

Deposit insurance

Is my money safe at Brazos Valley Schools Credit Union?

Yes. Brazos Valley Schools Credit Union is a federally insured credit union (NCUA charter #66353). 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 3.8% of shares and deposits ($35.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Brazos Valley Schools Credit Union lists 12 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Brazos Valley Schools Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66353
RSSD ID
497392
Primary regulator
State + NCUA
Established
1954
Headquarters
25525 Katy Mills Pkwy, Katy, TX 77494
Employees
166

Quick answers

Brazos Valley Schools Credit Union: common questions

Is Brazos Valley Schools Credit Union NCUA insured?

Yes. Brazos Valley Schools Credit Union is a federally insured credit union (NCUA charter #66353). 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 Brazos Valley Schools Credit Union's TellerScore?

68 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 Brazos Valley Schools Credit Union have?

12 offices as of the latest NCUA data.

Nearby

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Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs