TellerScore

Coastal Bend P O Federal Credit Union is a federal credit union headquartered in Victoria, Texas, in business for about 70 years. At the end of Q2 2026 it reported $12.5M in total assets and $9.1M in member shares and deposits, with 1 office.

Coastal Bend P O Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 301st. Capital cushion contributes the most (100/100, 27.13%); loan quality contributes the least (0/100, 3.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.13%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.73%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity100/100
Loans ÷ shares: 43.8% · 6.1% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.47%

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 37 points (96 → 59), mostly because the loan quality component weakened by 90 points.

TellerScore
597896Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202476
Q4 202472
Q1 202589
Q2 202596
Q3 202594
Q4 202591
Q1 202677
Q2 202659
Net worth ratio
7.00%17.07%27.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202421.73%
Q3 202421.12%
Q4 202422.38%
Q1 202524.19%
Q2 202524.57%
Q3 202524.58%
Q4 202524.86%
Q1 202625.23%
Q2 202627.13%
Delinquent loans (60+ days)
0.30%2.02%3.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.54%
Q3 20240.98%
Q4 20241.24%
Q1 20251.16%
Q2 20250.30%
Q3 20250.64%
Q4 20251.00%
Q1 20260.98%
Q2 20263.73%
Return on assets
-0.13%5.44%11.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.22%
Q3 20240.13%
Q4 2024-0.13%
Q1 202511.01%
Q2 20255.72%
Q3 20253.75%
Q4 20252.86%
Q1 20260.26%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$12.5M27.13%3.73%0.15%43.8%
Q1 202677$13.0M25.23%0.98%0.26%43.9%
Q4 202591$13.1M24.86%1.00%2.86%45.1%
Q3 202594$13.2M24.58%0.64%3.75%44.5%
Q2 202596$13.3M24.57%0.30%5.72%45.9%
Q1 202589$13.5M24.19%1.16%11.01%45.8%
Q4 202472$14.1M22.38%1.24%-0.13%44.1%
Q3 202476$15.0M21.12%0.98%0.13%42.1%
Q2 202473$14.7M21.73%1.54%0.22%42.0%

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 ratio27.13%
92nd
Problem loans3.73%
10th
Net charge-offs4.79%
2nd
Return on assets0.15%
25th
Loans to deposits43.8%
73rd
Uninsured deposits6.1%
16th
Loan-loss reserves0.00%
37th
Texas ratio7.5%
19th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pasadena Municipal Federal Credit UnionCredit union Pasadena, TX73 out of 100, Strong$12.4M21.3%0.71%vs
Employees United Federal Credit UnionCredit union Paris, TX92 out of 100, Very strong$12.4M32.7%0.08%vs
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
Swemp Federal Credit UnionCredit union Texarkana, TX75 out of 100, Strong$12.9M19.5%1.04%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
P.I.E. Credit UnionCredit union Houston, TX88 out of 100, Very strong$11.8M23.9%0.71%vs

Deposit insurance

Is my money safe at Coastal Bend P O Federal Credit Union?

Yes. Coastal Bend P O Federal Credit Union is a federally insured credit union (NCUA charter #11164). 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 6.1% of shares and deposits ($558K) 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 27.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Coastal Bend P O Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Coastal Bend P O Federal Credit Union
Type
Federal credit union
NCUA charter #
11164
RSSD ID
676786
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 1584, Victoria, TX 77902
Employees
4

Quick answers

Coastal Bend P O Federal Credit Union: common questions

Is Coastal Bend P O Federal Credit Union NCUA insured?

Yes. Coastal Bend P O Federal Credit Union is a federally insured credit union (NCUA charter #11164). 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 Coastal Bend P O Federal Credit Union's TellerScore?

59 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 Coastal Bend P O Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Victoria

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs