Credit Human Federal Credit Union (NCUA charter #24382) is based in San Antonio, Texas. Its Q2 2026 call report shows $4.3B in total assets and $3.6B in member shares and deposits and 25 offices across 3 states.
Credit Human Federal Credit Union has a TellerScore of 43 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 368th. Problem-loan coverage contributes the most (71/100, 14.6%); capital cushion contributes the least (23/100, 7.35%).
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 rose 6 points (37 → 43), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 38 |
| Q3 2024 | 38 |
| Q4 2024 | 35 |
| Q1 2025 | 37 |
| Q2 2025 | 37 |
| Q3 2025 | 39 |
| Q4 2025 | 39 |
| Q1 2026 | 43 |
| Q2 2026 | 43 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.92% |
| Q3 2024 | 7.85% |
| Q4 2024 | 7.69% |
| Q1 2025 | 7.43% |
| Q2 2025 | 7.47% |
| Q3 2025 | 7.38% |
| Q4 2025 | 7.12% |
| Q1 2026 | 7.27% |
| Q2 2026 | 7.35% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.28% |
| Q3 2024 | -0.23% |
| Q4 2024 | -0.27% |
| Q1 2025 | -0.28% |
| Q2 2025 | -0.32% |
| Q3 2025 | -0.22% |
| Q4 2025 | -0.21% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $4.3B | 7.35% | 1.09% | 0.11% | 108.0% |
| Q1 2026 | 43 | $4.4B | 7.27% | 1.06% | 0.14% | 109.5% |
| Q4 2025 | 39 | $4.5B | 7.12% | 1.13% | -0.21% | 108.5% |
| Q3 2025 | 39 | $4.4B | 7.38% | 1.15% | -0.22% | 109.2% |
| Q2 2025 | 37 | $4.4B | 7.47% | 1.36% | -0.32% | 108.1% |
| Q1 2025 | 37 | $4.5B | 7.43% | 1.39% | -0.28% | 106.1% |
| Q4 2024 | 35 | $4.3B | 7.69% | 1.59% | -0.27% | 110.5% |
| Q3 2024 | 38 | $4.4B | 7.85% | 1.41% | -0.23% | 107.3% |
| Q2 2024 | 38 | $4.4B | 7.92% | 1.39% | -0.28% | 108.8% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University Federal Credit UnionCredit union Austin, TX | 60 out of 100, Moderate | $4.3B | 9.7% | 1.11% | vs |
| Gecu Federal Credit UnionCredit union El Paso, TX | 75 out of 100, Strong | $4.7B | 13.6% | 1.00% | vs |
| Rally Credit UnionCredit union Corpus Christi, TX | 76 out of 100, Strong | $4.8B | 14.0% | 0.75% | vs |
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Texas Dow Employees Credit UnionCredit union Houston, TX | 49 out of 100, Below average | $5.0B | 10.2% | 1.77% | vs |
| First Community Credit UnionCredit union Houston, TX | 58 out of 100, Moderate | $3.1B | 8.0% | 0.39% | vs |
Deposit insurance
Is my money safe at Credit Human Federal Credit Union?
Yes. Credit Human Federal Credit Union is a federally insured credit union (NCUA charter #24382). 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 6.6% of shares and deposits ($236.8M) 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 7.35%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
25 locations
Branches
Credit Human Federal Credit Union lists 25 offices in 6 cities across 3 states. Most locations:
- San Antonio, TX (18)
- New Orleans, LA (3)
- Cibolo, TX (1)
- Federal Way, WA (1)
- Houston, TX (1)
- Live oak, TX (1)
HMDA 2025
Mortgage lending
In 2025, Credit Human Federal Credit Union reported 24,711 home-loan applications under HMDA (LEI 549300Q3ROEQU3D1IW91): 2,630 originated ($309,310,000 total), 18,366 denied, and 129 withdrawn or closed by the applicant. Its denial rate on decided applications was 74.7%, 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
- Credit Human Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24382
- RSSD ID
- 460592
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- 1703 Broadway, San Antonio, TX 78215
- Employees
- 851
Quick answers
Credit Human Federal Credit Union: common questions
Is Credit Human Federal Credit Union NCUA insured?
Yes. Credit Human Federal Credit Union is a federally insured credit union (NCUA charter #24382). 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 Credit Human Federal Credit Union's TellerScore?
43 out of 100 (Below average), 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 Credit Human Federal Credit Union have?
25 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near San Antonio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX | 93 out of 100, Very strong | $29.6M | 15.7% | 0.08% | vs |
| Schertz Bank & TrustBank Schertz, TX | 90 out of 100, Very strong | $770.1M | 15.2% | 0.05% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| H E B Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $218.2M | 18.3% | 0.19% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |