TellerScore

Concho Educators Federal Credit Union (NCUA charter #4684) is based in San Angelo, Texas. Its Q2 2026 call report shows $99.4M in total assets and $89.8M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Concho Educators Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 196th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is earnings (33/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.69%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings33/100
Return on assets (annualized): 0.34%
Funding & liquidity95/100
Loans ÷ shares: 64.9% · 4.1% 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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202473
Q4 202472
Q1 202572
Q2 202573
Q3 202572
Q4 202567
Q1 202667
Q2 202672
Net worth ratio
7.00%9.37%11.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.94%
Q3 202411.14%
Q4 202411.31%
Q1 202511.36%
Q2 202511.66%
Q3 202511.73%
Q4 202511.48%
Q1 202611.40%
Q2 202611.69%
Delinquent loans (60+ days)
0.24%0.56%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.24%
Q4 20240.48%
Q1 20250.36%
Q2 20250.42%
Q3 20250.35%
Q4 20250.88%
Q1 20260.73%
Q2 20260.42%
Return on assets
0.21%0.31%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.33%
Q4 20240.41%
Q1 20250.35%
Q2 20250.33%
Q3 20250.27%
Q4 20250.26%
Q1 20260.21%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$99.4M11.69%0.42%0.34%64.9%
Q1 202667$100.9M11.40%0.73%0.21%65.1%
Q4 202567$99.8M11.48%0.88%0.26%65.9%
Q3 202572$97.0M11.73%0.35%0.27%64.2%
Q2 202573$97.4M11.66%0.42%0.33%61.3%
Q1 202572$99.3M11.36%0.36%0.35%59.4%
Q4 202472$99.0M11.31%0.48%0.41%59.3%
Q3 202473$99.0M11.14%0.24%0.33%58.4%
Q2 202470$100.0M10.94%0.46%0.31%59.7%

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 ratio11.69%
29th
Problem loans0.42%
62nd
Net charge-offs1.19%
11th
Return on assets0.34%
33rd
Loans to deposits64.9%
41st
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Bridge Credit UnionCredit union Corpus Christi, TX68 out of 100, Moderate$99.2M8.2%0.23%vs
Heritage USA Federal Credit UnionCredit union Midland, TX45 out of 100, Below average$98.5M8.8%1.14%vs
Texas Dps Credit UnionCredit union Austin, TX79 out of 100, Strong$98.1M12.5%0.15%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Cooperative TeachersCredit union Tyler, TX30 out of 100, Low$93.8M7.9%4.31%vs
Coastal Community Federal Credit UnionCredit union Galveston, TX39 out of 100, Low$93.3M9.9%2.79%vs

Deposit insurance

Is my money safe at Concho Educators Federal Credit Union?

Yes. Concho Educators Federal Credit Union is a federally insured credit union (NCUA charter #4684). 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 4.1% of shares and deposits ($3.7M) 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 11.69%, 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

Concho Educators Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Concho Educators Federal Credit Union reported 13 home-loan applications under HMDA (LEI 5493004TN1RD20MW1Y08): 13 originated ($1,105,000 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
Concho Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
4684
RSSD ID
664970
Primary regulator
NCUA
Established
1941
Headquarters
Po Box 60976, San Angelo, TX 76906
Employees
32

Quick answers

Concho Educators Federal Credit Union: common questions

Is Concho Educators Federal Credit Union NCUA insured?

Yes. Concho Educators Federal Credit Union is a federally insured credit union (NCUA charter #4684). 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 Concho Educators Federal Credit Union's TellerScore?

72 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 Concho Educators Federal Credit Union have?

1 office as of the latest NCUA data.