City Federal Credit Union (NCUA charter #5665) is based in Amarillo, Texas. Its Q2 2026 call report shows $84.3M in total assets and $70.2M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, City Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 23% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 286th. Its strongest component is capital cushion (100/100; 16.25%), and its lowest is earnings (2/100; -0.45%).
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 9 points (70 → 61), mostly because the earnings component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 52 |
| Q4 2024 | 58 |
| Q1 2025 | 65 |
| Q2 2025 | 70 |
| Q3 2025 | 61 |
| Q4 2025 | 60 |
| Q1 2026 | 64 |
| Q2 2026 | 61 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.73% |
| Q3 2024 | 14.91% |
| Q4 2024 | 13.16% |
| Q1 2025 | 13.84% |
| Q2 2025 | 15.10% |
| Q3 2025 | 16.33% |
| Q4 2025 | 16.51% |
| Q1 2026 | 16.23% |
| Q2 2026 | 16.25% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.63% |
| Q3 2024 | 3.74% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.78% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.11% |
| Q3 2024 | 0.68% |
| Q4 2024 | -2.40% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.40% |
| Q3 2025 | -0.06% |
| Q4 2025 | -0.08% |
| Q1 2026 | -0.61% |
| Q2 2026 | -0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $84.3M | 16.25% | 1.59% | -0.45% | 90.2% |
| Q1 2026 | 64 | $84.8M | 16.23% | 1.12% | -0.61% | 95.5% |
| Q4 2025 | 60 | $84.1M | 16.51% | 1.78% | -0.08% | 103.2% |
| Q3 2025 | 61 | $87.1M | 16.33% | 1.67% | -0.06% | 103.9% |
| Q2 2025 | 70 | $95.1M | 15.10% | 1.24% | 0.40% | 99.4% |
| Q1 2025 | 65 | $103.2M | 13.84% | 1.17% | 0.09% | 94.0% |
| Q4 2024 | 58 | $108.4M | 13.16% | 1.22% | -2.40% | 93.8% |
| Q3 2024 | 52 | $120.0M | 14.91% | 3.74% | 0.68% | 94.2% |
| Q2 2024 | 69 | $121.1M | 15.73% | 2.63% | 2.11% | 97.4% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Memorial Credit UnionCredit union Houston, TX | 62 out of 100, Moderate | $84.2M | 11.1% | 0.66% | vs |
| Postel Family Credit UnionCredit union Wichita Falls, TX | 71 out of 100, Strong | $85.2M | 11.1% | 0.33% | vs |
| Southwest Financial Federal Credit UnionCredit union Farmers Branch, TX | 72 out of 100, Strong | $85.3M | 15.2% | 0.95% | vs |
| Irving City Employees Federal Credit UnionCredit union Irving, TX | 86 out of 100, Very strong | $85.8M | 12.0% | 0.56% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| U. S. Employees Credit UnionCredit union Tomball, TX | 74 out of 100, Strong | $86.4M | 10.4% | 0.20% | vs |
Deposit insurance
Is my money safe at City Federal Credit Union?
Yes. City Federal Credit Union is a federally insured credit union (NCUA charter #5665). 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 4.0% of shares and deposits ($2.8M) 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 16.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
City Federal Credit Union lists 2 offices in 1 city. Most locations:
- Amarillo, TX (2)
Identity & history
Profile
- Legal name
- City Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5665
- RSSD ID
- 807076
- Primary regulator
- NCUA
- Established
- 1948
- Headquarters
- 901 S Lincoln St, Amarillo, TX 79101
- Employees
- 15
Quick answers
City Federal Credit Union: common questions
Is City Federal Credit Union NCUA insured?
Yes. City Federal Credit Union is a federally insured credit union (NCUA charter #5665). 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 City Federal Credit Union's TellerScore?
61 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 City Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Amarillo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |