TellerScore

Headquartered in Nacogdoches, Texas, Doches Credit Union is a federally insured state-chartered credit union with $64.5M in total assets and $56.4M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1951.

Based on its Q2 2026 filing, Doches Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 179th. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is earnings (43/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.54%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings43/100
Return on assets (annualized): 0.59%
Funding & liquidity72/100
Loans ÷ shares: 88.5% · 1.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.99%

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 3 points (71 → 74), mostly because the earnings component improved by 17 points.

TellerScore
647382Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202471
Q1 202572
Q2 202571
Q3 202576
Q4 202575
Q1 202682
Q2 202674
Net worth ratio
7.00%10.30%13.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.36%
Q3 202412.44%
Q4 202412.87%
Q1 202512.61%
Q2 202512.81%
Q3 202513.12%
Q4 202513.53%
Q1 202613.61%
Q2 202613.54%
Delinquent loans (60+ days)
0.23%0.62%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20240.88%
Q4 20240.47%
Q1 20250.49%
Q2 20250.44%
Q3 20250.23%
Q4 20250.58%
Q1 20260.61%
Q2 20260.62%
Return on assets
-0.09%0.61%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 2024-0.09%
Q4 20240.09%
Q1 20250.41%
Q2 20250.14%
Q3 20250.37%
Q4 20250.46%
Q1 20261.30%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$64.5M13.54%0.62%0.59%88.5%
Q1 202682$64.3M13.61%0.61%1.30%80.2%
Q4 202575$63.1M13.53%0.58%0.46%81.1%
Q3 202576$64.3M13.12%0.23%0.37%80.0%
Q2 202571$64.8M12.81%0.44%0.14%81.0%
Q1 202572$66.0M12.61%0.49%0.41%79.8%
Q4 202471$64.2M12.87%0.47%0.09%82.3%
Q3 202464$65.5M12.44%0.88%-0.09%80.0%
Q2 202464$66.5M12.36%1.01%0.06%79.0%

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 ratio13.54%
43rd
Problem loans0.62%
53rd
Net charge-offs0.20%
47th
Return on assets0.59%
47th
Loans to deposits88.5%
11th
Uninsured deposits1.7%
47th
Loan-loss reserves0.00%
37th
Texas ratio4.0%
35th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Sacred Heart Parish Hallettsville Federal Credit UnionCredit union Hallettsville, TX70 out of 100, Strong$64.6M9.8%0.01%vs
Cosden Federal Credit UnionCredit union Big Spring, TX86 out of 100, Very strong$63.5M11.6%0.15%vs
LA Joya Area Federal Credit UnionCredit union La Joya, TX53 out of 100, Below average$62.2M10.8%2.07%vs
South Texas Federal Credit UnionCredit union McALLEN, TX47 out of 100, Below average$69.2M8.6%2.38%vs
West Texas Credit UnionCredit union Odessa, TX58 out of 100, Moderate$70.3M9.3%1.07%vs
My Credit UnionCredit union Haslet, TX74 out of 100, Strong$58.2M12.8%1.02%vs

Deposit insurance

Is my money safe at Doches Credit Union?

Yes. Doches Credit Union is a federally insured credit union (NCUA charter #62446). 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 1.7% of shares and deposits ($969K) 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 13.54%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Doches Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Doches Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62446
RSSD ID
642996
Primary regulator
State + NCUA
Established
1951
Headquarters
920 NW Stallings Dr, Nacogdoches, TX 75964
Employees
30

Quick answers

Doches Credit Union: common questions

Is Doches Credit Union NCUA insured?

Yes. Doches Credit Union is a federally insured credit union (NCUA charter #62446). 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 Doches Credit Union's TellerScore?

74 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 Doches Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nacogdoches

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Anderson County Federal Credit UnionCredit union Palestine, TX78 out of 100, Strong$27.3M17.2%2.32%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs