TellerScore

Headquartered in Longview, Texas, East Texas Professional Credit Union is a federally insured state-chartered credit union with $1.4B in total assets and $1.2B in member shares and deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1953.

East Texas Professional Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 37th. Capital cushion contributes the most (100/100, 19.38%); funding & liquidity contributes the least (75/100, 85% loans-to-deposits, 2% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.38%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings91/100
Return on assets (annualized): 1.78%
Funding & liquidity75/100
Loans ÷ shares: 84.9% · 2.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.25%

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 → 90).

TellerScore
899192Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202491
Q3 202492
Q4 202491
Q1 202592
Q2 202589
Q3 202589
Q4 202590
Q1 202692
Q2 202690
Net worth ratio
7.00%13.19%19.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.29%
Q3 202418.17%
Q4 202418.37%
Q1 202518.88%
Q2 202518.84%
Q3 202518.90%
Q4 202519.08%
Q1 202618.93%
Q2 202619.38%
Delinquent loans (60+ days)
0.15%0.32%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.33%
Q4 20240.32%
Q1 20250.15%
Q2 20250.41%
Q3 20250.49%
Q4 20250.48%
Q1 20260.23%
Q2 20260.41%
Return on assets
1.64%1.72%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.75%
Q4 20241.67%
Q1 20251.72%
Q2 20251.66%
Q3 20251.74%
Q4 20251.81%
Q1 20261.64%
Q2 20261.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$1.4B19.38%0.41%1.78%84.9%
Q1 202692$1.4B18.93%0.23%1.64%82.7%
Q4 202590$1.4B19.08%0.48%1.81%85.2%
Q3 202589$1.4B18.90%0.49%1.74%85.8%
Q2 202589$1.3B18.84%0.41%1.66%86.2%
Q1 202592$1.3B18.88%0.15%1.72%87.0%
Q4 202491$1.3B18.37%0.32%1.67%83.7%
Q3 202492$1.3B18.17%0.33%1.75%83.3%
Q2 202491$1.3B18.29%0.31%1.70%83.4%

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 ratio19.38%
98th
Problem loans0.41%
78th
Net charge-offs0.38%
67th
Return on assets1.78%
97th
Loans to deposits84.9%
58th
Uninsured deposits2.1%
97th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
84th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Amoco Federal Credit UnionCredit union Texas City, TX55 out of 100, Moderate$1.5B9.2%0.93%vs
First Service Credit UnionCredit union Houston, TX64 out of 100, Moderate$1.5B10.9%0.62%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
Firstmark Credit UnionCredit union San Antonio, TX65 out of 100, Moderate$1.3B9.6%0.70%vs
Worth Credit UnionCredit union Bedford, TX70 out of 100, Strong$1.3B10.8%0.62%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs

Deposit insurance

Is my money safe at East Texas Professional Credit Union?

Yes. East Texas Professional Credit Union is a federally insured credit union (NCUA charter #67761). 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 2.1% of shares and deposits ($24.3M) 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 19.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

15 locations

Branches

East Texas Professional Credit Union lists 15 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, East Texas Professional Credit Union reported 561 home-loan applications under HMDA (LEI 549300M59800JNGYFP30): 324 originated ($52,550,000 total), 102 denied, and 127 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.5%, 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
East Texas Professional Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67761
RSSD ID
693895
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box 6750, Longview, TX 75608
Employees
306

Quick answers

East Texas Professional Credit Union: common questions

Is East Texas Professional Credit Union NCUA insured?

Yes. East Texas Professional Credit Union is a federally insured credit union (NCUA charter #67761). 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 East Texas Professional Credit Union's TellerScore?

90 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 East Texas Professional Credit Union have?

15 offices as of the latest NCUA data.