TellerScore

Headquartered in Denton, Texas, Datcu Credit Union is a federally insured state-chartered credit union with $1.8B in total assets and $1.5B in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Datcu Credit Union scores 89/100, which we describe as very strong. That is higher than 97% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 43rd. Its strongest component is capital cushion (100/100; 17.19%), and its lowest is funding & liquidity (55/100; 105% loans-to-deposits, 5% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.19%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity55/100
Loans ÷ shares: 105.5% · 5.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.02%

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 (89 → 89).

TellerScore
868889Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202488
Q4 202486
Q1 202587
Q2 202589
Q3 202589
Q4 202588
Q1 202688
Q2 202689
Net worth ratio
7.00%12.10%17.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.09%
Q3 202416.53%
Q4 202416.65%
Q1 202516.53%
Q2 202516.30%
Q3 202516.59%
Q4 202516.88%
Q1 202617.04%
Q2 202617.19%
Delinquent loans (60+ days)
0.07%0.12%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.17%
Q4 20240.15%
Q1 20250.11%
Q2 20250.07%
Q3 20250.10%
Q4 20250.17%
Q1 20260.16%
Q2 20260.13%
Return on assets
1.19%1.38%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.43%
Q4 20241.31%
Q1 20251.29%
Q2 20251.44%
Q3 20251.51%
Q4 20251.52%
Q1 20261.47%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$1.8B17.19%0.13%1.57%105.5%
Q1 202688$1.8B17.04%0.16%1.47%104.2%
Q4 202588$1.7B16.88%0.17%1.52%103.3%
Q3 202589$1.7B16.59%0.10%1.51%101.0%
Q2 202589$1.7B16.30%0.07%1.44%100.4%
Q1 202587$1.7B16.53%0.11%1.29%102.4%
Q4 202486$1.6B16.65%0.15%1.31%106.3%
Q3 202488$1.6B16.53%0.17%1.43%99.4%
Q2 202486$1.6B16.09%0.14%1.19%99.9%

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 ratio17.19%
97th
Problem loans0.13%
98th
Net charge-offs0.69%
32nd
Return on assets1.57%
94th
Loans to deposits105.5%
5th
Uninsured deposits5.0%
87th
Loan-loss reserves0.00%
50th
Texas ratio1.0%
95th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
United Heritage Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.7B9.9%1.22%vs
Firstlight Federal Credit UnionCredit union El Paso, TX68 out of 100, Moderate$1.6B10.3%0.48%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
Shell Federal Credit UnionCredit union Deer Park, TX79 out of 100, Strong$2.1B13.4%0.71%vs
First Service Credit UnionCredit union Houston, TX64 out of 100, Moderate$1.5B10.9%0.62%vs
Amoco Federal Credit UnionCredit union Texas City, TX55 out of 100, Moderate$1.5B9.2%0.93%vs

Deposit insurance

Is my money safe at Datcu Credit Union?

Yes. Datcu Credit Union is a federally insured credit union (NCUA charter #67535). 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 5.0% of shares and deposits ($73.3M) 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 17.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Datcu Credit Union lists 14 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Datcu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67535
RSSD ID
972394
Primary regulator
State + NCUA
Established
1936
Headquarters
Po Box 827, Denton, TX 76202
Employees
237

Quick answers

Datcu Credit Union: common questions

Is Datcu Credit Union NCUA insured?

Yes. Datcu Credit Union is a federally insured credit union (NCUA charter #67535). 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 Datcu Credit Union's TellerScore?

89 out of 100 (Very 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 Datcu Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Denton

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Somerville Municipal Federal Credit UnionCredit union Somerville, MA89 out of 100, Very strong$49.0M19.1%0.48%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Charles Schwab Trust BankBank Westlake, TX88 out of 100, Very strong$10.5B10.9%0.00%vs