TellerScore

E M O T Federal Credit Union is a federal credit union headquartered in Abilene, Texas, in business for about 72 years. At the end of Q2 2026 it reported $9.2M in total assets and $5.5M in member shares and deposits, with 1 office.

E M O T Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 142nd. Capital cushion contributes the most (100/100, 39.67%); loan quality contributes the least (43/100, 1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 39.67%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.72%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 50.9% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.28%

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 5 points (83 → 78), mostly because the loan quality component weakened by 12 points.

TellerScore
768492Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202492
Q4 202488
Q1 202586
Q2 202583
Q3 202578
Q4 202579
Q1 202676
Q2 202678
Net worth ratio
7.00%23.34%39.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202437.01%
Q3 202438.12%
Q4 202438.30%
Q1 202538.63%
Q2 202538.78%
Q3 202539.51%
Q4 202539.37%
Q1 202639.34%
Q2 202639.67%
Delinquent loans (60+ days)
0.29%1.10%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20240.29%
Q4 20240.66%
Q1 20251.07%
Q2 20251.34%
Q3 20251.90%
Q4 20251.67%
Q1 20261.90%
Q2 20261.72%
Return on assets
1.04%1.21%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.25%
Q4 20241.26%
Q1 20251.39%
Q2 20251.28%
Q3 20251.24%
Q4 20251.19%
Q1 20261.04%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$9.2M39.67%1.72%1.05%50.9%
Q1 202676$9.3M39.34%1.90%1.04%51.2%
Q4 202579$9.2M39.37%1.67%1.19%50.1%
Q3 202578$9.1M39.51%1.90%1.24%52.4%
Q2 202583$9.2M38.78%1.34%1.28%47.6%
Q1 202586$9.2M38.63%1.07%1.39%46.6%
Q4 202488$9.2M38.30%0.66%1.26%48.4%
Q3 202492$9.1M38.12%0.29%1.25%48.9%
Q2 202489$9.3M37.01%0.53%1.21%48.0%

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 ratio39.67%
98th
Problem loans1.72%
25th
Net charge-offs1.62%
8th
Return on assets1.05%
70th
Loans to deposits50.9%
62nd
Uninsured deposits0.0%
81st
Loan-loss reserves3.75%
95th
Texas ratio1.3%
61st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Port Terminal Federal Credit UnionCredit union Houston, TX57 out of 100, Moderate$9.1M34.6%3.13%vs
Local 20 Ibew Federal Credit UnionCredit union Grand Prairie, TX23 out of 100, Low$9.4M6.0%3.62%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs
Jackson County Federal Credit UnionCredit union Edna, TX72 out of 100, Strong$9.0M9.7%0.00%vs
Neiman Marcus Group Employees Federal Credit UnionCredit union Dallas, TX77 out of 100, Strong$9.5M15.9%0.34%vs

Deposit insurance

Is my money safe at E M O T Federal Credit Union?

Yes. E M O T Federal Credit Union is a federally insured credit union (NCUA charter #9457). 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 39.67%, 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

E M O T Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
E M O T Federal Credit Union
Type
Federal credit union
NCUA charter #
9457
RSSD ID
72687
Primary regulator
NCUA
Established
1954
Headquarters
P. O. Box 3383, Abilene, TX 79604
Employees
2

Quick answers

E M O T Federal Credit Union: common questions

Is E M O T Federal Credit Union NCUA insured?

Yes. E M O T Federal Credit Union is a federally insured credit union (NCUA charter #9457). 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 E M O T Federal Credit Union's TellerScore?

78 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 E M O T Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Abilene

InstitutionScoreAssetsCapitalProblem loansCompare
Abilene Teachers Federal Credit UnionCredit union Abilene, TX95 out of 100, Very strong$690.4M18.8%0.31%vs
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Haskell National BankBank Haskell, TX88 out of 100, Very strong$72.6M13.6%0.00%vs
Txdot Credit UnionCredit union Abilene, TX81 out of 100, Strong$18.2M17.2%0.54%vs
Sweetwater Regional Federal Credit UnionCredit union Sweetwater, TX79 out of 100, Strong$6.6M19.5%0.11%vs
Avana BankBank Abilene, TX79 out of 100, Strong$39.6M17.5%0.00%vs