TellerScore

Credit Union of Texas is a federally insured state-chartered credit union headquartered in Allen, Texas, in business for about 95 years. At the end of Q2 2026 it reported $2.6B in total assets and $2.3B in member shares and deposits, with 10 offices.

Based on its Q2 2026 filing, Credit Union of Texas scores 43/100, which we describe as below average. That is higher than only 2% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 369th. Its strongest component is funding & liquidity (73/100; 88% loans-to-deposits, 12% uninsured), and its lowest is earnings (22/100; 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.13%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.59%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity73/100
Loans ÷ shares: 87.5% · 12.4% uninsured
Problem-loan coverage68/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.05%

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 2 points (45 → 43), mostly because the earnings component weakened by 8 points.

TellerScore
434649Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202446
Q4 202447
Q1 202544
Q2 202545
Q3 202547
Q4 202544
Q1 202644
Q2 202643
Net worth ratio
7.00%7.83%8.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.50%
Q3 20248.42%
Q4 20248.55%
Q1 20258.35%
Q2 20258.44%
Q3 20258.65%
Q4 20258.38%
Q1 20268.31%
Q2 20268.13%
Delinquent loans (60+ days)
0.99%1.37%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.99%
Q3 20241.40%
Q4 20241.51%
Q1 20251.30%
Q2 20251.52%
Q3 20251.65%
Q4 20251.75%
Q1 20261.47%
Q2 20261.59%
Return on assets
-0.11%0.17%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.26%
Q4 20240.37%
Q1 2025-0.11%
Q2 20250.26%
Q3 20250.45%
Q4 20250.36%
Q1 20260.03%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202643$2.6B8.13%1.59%0.05%87.5%
Q1 202644$2.7B8.31%1.47%0.03%95.2%
Q4 202544$2.7B8.38%1.75%0.36%90.8%
Q3 202547$2.7B8.65%1.65%0.45%93.4%
Q2 202545$2.6B8.44%1.52%0.26%94.6%
Q1 202544$2.6B8.35%1.30%-0.11%98.2%
Q4 202447$2.5B8.55%1.51%0.37%99.3%
Q3 202446$2.7B8.42%1.40%0.26%101.3%
Q2 202449$2.6B8.50%0.99%0.20%108.1%

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).

Capital ratio8.13%
4th
Problem loans1.59%
8th
Net charge-offs1.32%
5th
Return on assets0.05%
3rd
Loans to deposits87.5%
52nd
Uninsured deposits12.4%
24th
Loan-loss reserves0.00%
50th
Texas ratio16.0%
4th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Jsc Federal Credit UnionCredit union Houston, TX66 out of 100, Moderate$2.6B12.0%1.08%vs
A+ Federal Credit UnionCredit union Austin, TX61 out of 100, Moderate$2.6B13.7%2.08%vs
Texans Credit UnionCredit union Richardson, TX70 out of 100, Strong$2.6B11.1%0.69%vs
Austin Telco Federal Credit UnionCredit union Austin, TX78 out of 100, Strong$2.5B14.0%0.35%vs
Advancial Federal Credit UnionCredit union Dallas, TX43 out of 100, Below average$2.4B8.0%1.33%vs
First Community Credit UnionCredit union Houston, TX58 out of 100, Moderate$3.1B8.0%0.39%vs

Deposit insurance

Is my money safe at Credit Union of Texas?

Yes. Credit Union of Texas is a federally insured credit union (NCUA charter #66327). 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 12.4% of shares and deposits ($282.2M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.13%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Credit Union of Texas lists 10 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Credit Union of Texas reported 4,587 home-loan applications under HMDA (LEI 254900Z5QRSHW4Y8CR51): 2,535 originated ($341,325,000 total), 1,334 denied, and 478 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.5%, 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 Union of Texas
Type
Federally insured state-chartered credit union
NCUA charter #
66327
RSSD ID
760498
Primary regulator
State + NCUA
Established
1931
Headquarters
P.O. Box 7000, Allen, TX 75013
Employees
566

Quick answers

Credit Union of Texas: common questions

Is Credit Union of Texas NCUA insured?

Yes. Credit Union of Texas is a federally insured credit union (NCUA charter #66327). 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 Union of Texas'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 Union of Texas have?

10 offices as of the latest NCUA data.