TellerScore

Eastex Credit Union is a non-federally insured state credit union headquartered in Evadale, Texas, in business for about 71 years. At the end of Q2 2026 it reported $131.7M in total assets and $115.6M in member shares and deposits, with 5 offices.

Eastex Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 109th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 0% uninsured); earnings contributes the least (64/100, 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.54%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity100/100
Loans ÷ shares: 56.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.69%

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 4 points (77 → 81), mostly because the earnings component improved by 14 points.

TellerScore
687581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202475
Q1 202568
Q2 202577
Q3 202579
Q4 202581
Q1 202679
Q2 202681
Net worth ratio
7.00%9.27%11.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.64%
Q3 202410.82%
Q4 202411.10%
Q1 202510.72%
Q2 202511.09%
Q3 202511.43%
Q4 202511.47%
Q1 202611.19%
Q2 202611.54%
Delinquent loans (60+ days)
0.12%0.21%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.15%
Q4 20240.22%
Q1 20250.29%
Q2 20250.14%
Q3 20250.18%
Q4 20250.12%
Q1 20260.24%
Q2 20260.16%
Return on assets
-0.04%0.53%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.17%
Q4 20240.63%
Q1 2025-0.04%
Q2 20250.74%
Q3 20250.94%
Q4 20251.07%
Q1 20261.05%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$131.7M11.54%0.16%1.10%56.7%
Q1 202679$132.6M11.19%0.24%1.05%54.1%
Q4 202581$126.2M11.47%0.12%1.07%58.0%
Q3 202579$122.7M11.43%0.18%0.94%58.5%
Q2 202577$122.8M11.09%0.14%0.74%59.0%
Q1 202568$122.6M10.72%0.29%-0.04%59.1%
Q4 202475$118.5M11.10%0.22%0.63%63.5%
Q3 202471$116.3M10.82%0.15%0.17%65.4%
Q2 202470$117.9M10.64%0.12%0.20%65.2%

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 ratio11.54%
51st
Problem loans0.16%
92nd
Net charge-offs0.25%
64th
Return on assets1.10%
72nd
Loans to deposits56.7%
82nd
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio0.7%
92nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Health Credit UnionCredit union Austin, TX66 out of 100, Moderate$134.3M13.8%2.17%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
United Community Credit UnionCredit union Houston, TX69 out of 100, Moderate$127.9M12.0%1.05%vs
Laredo Federal Credit UnionCredit union Laredo, TX75 out of 100, Strong$136.6M11.3%0.35%vs
Mtcu Credit UnionCredit union Midland, TX69 out of 100, Moderate$137.3M12.5%0.80%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs

Deposit insurance

Is my money safe at Eastex Credit Union?

Eastex Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.54%, 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

Eastex Credit Union lists 5 offices in 5 cities. Most locations:

  • Buna, TX (1)
  • Kirbyville, TX (1)
  • Kountze, TX (1)
  • Silsbee, TX (1)
  • Spurger, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Eastex Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97098
RSSD ID
882381
Primary regulator
State + NCUA
Established
1955
Headquarters
P.O. Box 627, Evadale, TX 77615
Employees
35

Quick answers

Eastex Credit Union: common questions

Is Eastex Credit Union NCUA insured?

Eastex Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Eastex Credit Union's TellerScore?

81 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 Eastex Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Evadale

InstitutionScoreAssetsCapitalProblem loansCompare
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
Bridge City State BankBank Bridge City, TX76 out of 100, Strong$246.8M11.7%0.08%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs