TellerScore

Concho Valley Credit Union is a federally insured state-chartered credit union headquartered in San Angelo, Texas, in business for about 96 years. At the end of Q2 2026 it reported $25.7M in total assets and $22.6M in member shares and deposits, with 1 office.

Concho Valley Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 140th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 3% uninsured); earnings contributes the least (51/100, 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.44%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings51/100
Return on assets (annualized): 0.79%
Funding & liquidity100/100
Loans ÷ shares: 59.6% · 3.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.63%

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 (79 → 78).

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202478
Q1 202578
Q2 202579
Q3 202578
Q4 202579
Q1 202678
Q2 202678
Net worth ratio
7.00%9.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.02%
Q3 202410.95%
Q4 202411.31%
Q1 202511.28%
Q2 202510.97%
Q3 202511.14%
Q4 202511.33%
Q1 202611.26%
Q2 202611.44%
Delinquent loans (60+ days)
0.00%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.04%
Q4 20240.02%
Q1 20250.10%
Q2 20250.00%
Q3 20250.15%
Q4 20250.10%
Q1 20260.16%
Q2 20260.14%
Return on assets
0.53%0.72%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.57%
Q4 20240.68%
Q1 20250.71%
Q2 20250.83%
Q3 20250.89%
Q4 20250.91%
Q1 20260.76%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$25.7M11.44%0.14%0.79%59.6%
Q1 202678$25.6M11.26%0.16%0.76%54.7%
Q4 202579$25.0M11.33%0.10%0.91%55.6%
Q3 202578$25.1M11.14%0.15%0.89%54.2%
Q2 202579$24.9M10.97%0.00%0.83%52.4%
Q1 202578$23.7M11.28%0.10%0.71%55.4%
Q4 202478$23.3M11.31%0.02%0.68%54.4%
Q3 202476$23.7M10.95%0.04%0.57%50.9%
Q2 202475$23.2M11.02%0.11%0.53%51.5%

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 ratio11.44%
27th
Problem loans0.14%
78th
Net charge-offs0.10%
57th
Return on assets0.79%
57th
Loans to deposits59.6%
49th
Uninsured deposits3.5%
32nd
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Local Federal Credit UnionCredit union Dallas, TX72 out of 100, Strong$25.8M21.2%0.57%vs
Shared Resources Credit UnionCredit union Pasadena, TX64 out of 100, Moderate$25.4M12.7%0.57%vs
Grand Prairie Credit UnionCredit union Grand Prairie, TX81 out of 100, Strong$25.2M11.6%0.05%vs
Texhillco School Employees Federal Credit UnionCredit union Kerrville, TX58 out of 100, Moderate$26.7M9.9%0.61%vs
Yantis Federal Credit UnionCredit union Yantis, TX82 out of 100, Strong$26.8M13.4%0.01%vs
Texas People Federal Credit UnionCredit union Fort Worth, TX73 out of 100, Strong$24.3M18.0%0.31%vs

Deposit insurance

Is my money safe at Concho Valley Credit Union?

Yes. Concho Valley Credit Union is a federally insured credit union (NCUA charter #67473). 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 3.5% of shares and deposits ($791K) 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 11.44%, 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 Valley Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Concho Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67473
RSSD ID
717399
Primary regulator
State + NCUA
Established
1930
Headquarters
1002 S Abe St, San Angelo, TX 76903
Employees
6

Quick answers

Concho Valley Credit Union: common questions

Is Concho Valley Credit Union NCUA insured?

Yes. Concho Valley Credit Union is a federally insured credit union (NCUA charter #67473). 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 Valley Credit Union's TellerScore?

78 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 Valley Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Angelo

InstitutionScoreAssetsCapitalProblem loansCompare
Texas State BankBank San Angelo, TX91 out of 100, Very strong$425.5M13.6%0.00%vs
The First National Bank of MertzonBank Mertzon, TX90 out of 100, Very strong$500.3M15.7%0.00%vs
San Angelo Federal Credit UnionCredit union San Angelo, TX84 out of 100, Strong$40.6M12.9%0.73%vs
The First National Bank of BallingerBank Ballinger, TX81 out of 100, Strong$275.3M10.5%0.03%vs
Sundown State BankBank Sundown, TX79 out of 100, Strong$307.7M11.6%0.84%vs
First State BankBank Paint Rock, TX78 out of 100, Strong$174.3M14.1%1.90%vs