TellerScore

Dugood Federal Credit Union (NCUA charter #15146) is based in Beaumont, Texas. Its Q2 2026 call report shows $609.4M in total assets and $520.8M in member shares and deposits and 6 offices.

Dugood Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 56th. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (76/100, 1.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.37%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity80/100
Loans ÷ shares: 80.3% · 8.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.48%

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 (86 → 87).

TellerScore
818487Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202483
Q4 202484
Q1 202584
Q2 202586
Q3 202587
Q4 202587
Q1 202685
Q2 202687
Net worth ratio
7.00%10.18%13.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.08%
Q3 202412.56%
Q4 202412.79%
Q1 202512.61%
Q2 202512.76%
Q3 202512.82%
Q4 202512.98%
Q1 202613.00%
Q2 202613.37%
Delinquent loans (60+ days)
0.09%0.16%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.16%
Q4 20240.11%
Q1 20250.15%
Q2 20250.10%
Q3 20250.09%
Q4 20250.10%
Q1 20260.14%
Q2 20260.09%
Return on assets
1.40%1.50%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.43%
Q4 20241.42%
Q1 20251.42%
Q2 20251.53%
Q3 20251.60%
Q4 20251.54%
Q1 20261.44%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$609.4M13.37%0.09%1.41%80.3%
Q1 202685$610.5M13.00%0.14%1.44%78.5%
Q4 202587$594.7M12.98%0.10%1.54%79.9%
Q3 202587$585.6M12.82%0.09%1.60%78.2%
Q2 202586$567.5M12.76%0.10%1.53%78.8%
Q1 202584$555.1M12.61%0.15%1.42%79.2%
Q4 202484$531.9M12.79%0.11%1.42%83.7%
Q3 202483$526.6M12.56%0.16%1.43%84.0%
Q2 202481$531.6M12.08%0.23%1.40%82.6%

1,341 peers · $100 million – $1 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 ratio13.37%
73rd
Problem loans0.09%
96th
Net charge-offs0.19%
71st
Return on assets1.41%
86th
Loans to deposits80.3%
40th
Uninsured deposits8.4%
26th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Union Square Credit UnionCredit union Wichita Falls, TX37 out of 100, Low$601.3M8.4%2.69%vs
City Credit UnionCredit union Dallas, TX73 out of 100, Strong$629.8M12.3%1.23%vs
Openland Credit UnionCredit union League City, TX63 out of 100, Moderate$587.9M11.1%1.09%vs
Education First Federal Credit UnionCredit union Beaumont, TX65 out of 100, Moderate$583.1M9.1%0.62%vs
Soarion Federal Credit UnionCredit union San Antonio, TX55 out of 100, Moderate$555.6M6.8%1.01%vs

Deposit insurance

Is my money safe at Dugood Federal Credit Union?

Yes. Dugood Federal Credit Union is a federally insured credit union (NCUA charter #15146). 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 8.4% of shares and deposits ($43.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Dugood Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dugood Federal Credit Union reported 396 home-loan applications under HMDA (LEI 549300TVVKZJG3FJDS34): 264 originated ($50,360,000 total), 68 denied, and 47 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.5%, 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
Dugood Federal Credit Union
Type
Federal credit union
NCUA charter #
15146
RSSD ID
260587
Primary regulator
NCUA
Established
1962
Headquarters
Po Box 12899, Beaumont, TX 77726
Employees
144

Quick answers

Dugood Federal Credit Union: common questions

Is Dugood Federal Credit Union NCUA insured?

Yes. Dugood Federal Credit Union is a federally insured credit union (NCUA charter #15146). 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 Dugood Federal Credit Union's TellerScore?

87 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 Dugood Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beaumont

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs