TellerScore

Headquartered in Del Rio, Texas, Del Rio S.P. Credit Union is a federally insured state-chartered credit union with $3.2M in total assets and $2.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.

Based on its Q2 2026 filing, Del Rio S.P. Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 315th. Its strongest component is capital cushion (100/100; 37.22%), and its lowest is loan quality (0/100; 5.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 37.22%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.07%
Earnings24/100
Return on assets (annualized): 0.10%
Funding & liquidity95/100
Loans ÷ shares: 64.8% · 0.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.40%

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 3 points (61 → 58), mostly because the earnings component weakened by 10 points.

TellerScore
546678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202466
Q4 202468
Q1 202563
Q2 202561
Q3 202563
Q4 202554
Q1 202678
Q2 202658
Net worth ratio
7.00%22.11%37.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202437.21%
Q3 202436.01%
Q4 202436.16%
Q1 202536.82%
Q2 202536.42%
Q3 202537.05%
Q4 202536.78%
Q1 202636.23%
Q2 202637.22%
Delinquent loans (60+ days)
0.77%2.92%5.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.11%
Q3 20241.80%
Q4 20241.65%
Q1 20253.54%
Q2 20253.25%
Q3 20252.00%
Q4 20253.75%
Q1 20260.77%
Q2 20265.07%
Return on assets
-1.83%-0.62%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.46%
Q3 2024-0.36%
Q4 2024-0.24%
Q1 20250.60%
Q2 20250.36%
Q3 2025-0.43%
Q4 2025-1.83%
Q1 20260.20%
Q2 20260.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.2M37.22%5.07%0.10%64.8%
Q1 202678$3.3M36.23%0.77%0.20%66.3%
Q4 202554$3.3M36.78%3.75%-1.83%63.1%
Q3 202563$3.4M37.05%2.00%-0.43%58.5%
Q2 202561$3.5M36.42%3.25%0.36%55.9%
Q1 202563$3.5M36.82%3.54%0.60%54.5%
Q4 202468$3.5M36.16%1.65%-0.24%49.2%
Q3 202466$3.5M36.01%1.80%-0.36%44.4%
Q2 202462$3.4M37.21%2.11%-0.46%41.0%

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 ratio37.22%
97th
Problem loans5.07%
6th
Net charge-offs-0.98%
99th
Return on assets0.10%
23rd
Loans to deposits64.8%
41st
Uninsured deposits0.0%
81st
Loan-loss reserves2.04%
90th
Texas ratio5.4%
27th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs
Lefors Federal Credit UnionCredit union Lefors, TX75 out of 100, Strong$3.0M23.2%1.12%vs
Longview Federal Credit UnionCredit union White Oak, TX58 out of 100, Moderate$3.0M26.7%2.41%vs
Highway District 2 Credit UnionCredit union Fort Worth, TX75 out of 100, Strong$3.6M37.9%0.00%vs
B. P. S. Federal Credit UnionCredit union Beeville, TX79 out of 100, Strong$2.9M61.7%0.72%vs
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs

Deposit insurance

Is my money safe at Del Rio S.P. Credit Union?

Yes. Del Rio S.P. Credit Union is a federally insured credit union (NCUA charter #67531). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 37.22%, well 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

Del Rio S.P. Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Del Rio S.P. Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67531
RSSD ID
640291
Primary regulator
State + NCUA
Established
1954
Headquarters
106 N Main St, Del Rio, TX 78840
Employees
3

Quick answers

Del Rio S.P. Credit Union: common questions

Is Del Rio S.P. Credit Union NCUA insured?

Yes. Del Rio S.P. Credit Union is a federally insured credit union (NCUA charter #67531). 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 Del Rio S.P. Credit Union's TellerScore?

58 out of 100 (Moderate), 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 Del Rio S.P. Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Del Rio

InstitutionScoreAssetsCapitalProblem loansCompare
Border Federal Credit UnionCredit union Del Rio, TX88 out of 100, Very strong$269.8M17.8%0.67%vs
Soarion Federal Credit UnionCredit union San Antonio, TX55 out of 100, Moderate$555.6M6.8%1.01%vs