TellerScore

Edinburg Teachers Credit Union (NCUA charter #66366) is based in Edinburg, Texas. Its Q2 2026 call report shows $98.0M in total assets and $80.7M in member shares and deposits and 1 office.

Edinburg Teachers Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 75th. Capital cushion contributes the most (100/100, 22.59%); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.59%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity100/100
Loans ÷ shares: 25.6% · 3.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.11%

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 → 85).

TellerScore
848688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202488
Q4 202487
Q1 202586
Q2 202586
Q3 202587
Q4 202587
Q1 202685
Q2 202685
Net worth ratio
7.00%15.52%24.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.77%
Q3 202423.54%
Q4 202424.03%
Q1 202523.15%
Q2 202523.08%
Q3 202523.02%
Q4 202522.73%
Q1 202622.57%
Q2 202622.59%
Delinquent loans (60+ days)
0.00%0.10%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.07%
Q4 20240.06%
Q1 20250.09%
Q2 20250.16%
Q3 20250.03%
Q4 20250.01%
Q1 20260.00%
Q2 20260.12%
Return on assets
0.07%0.28%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.49%
Q4 20240.47%
Q1 20250.35%
Q2 20250.38%
Q3 20250.46%
Q4 20250.38%
Q1 20260.07%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$98.0M22.59%0.12%0.23%25.6%
Q1 202685$97.6M22.57%0.00%0.07%26.2%
Q4 202587$96.8M22.73%0.01%0.38%27.1%
Q3 202587$95.6M23.02%0.03%0.46%27.3%
Q2 202586$94.7M23.08%0.16%0.38%28.8%
Q1 202586$94.0M23.15%0.09%0.35%28.9%
Q4 202487$90.2M24.03%0.06%0.47%29.0%
Q3 202488$91.8M23.54%0.07%0.49%28.4%
Q2 202484$90.0M23.77%0.20%0.23%27.0%

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 ratio22.59%
84th
Problem loans0.12%
79th
Net charge-offs0.13%
54th
Return on assets0.23%
29th
Loans to deposits25.6%
92nd
Uninsured deposits3.2%
34th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Dps Credit UnionCredit union Austin, TX79 out of 100, Strong$98.1M12.5%0.15%vs
Heritage USA Federal Credit UnionCredit union Midland, TX45 out of 100, Below average$98.5M8.8%1.14%vs
Texas Bridge Credit UnionCredit union Corpus Christi, TX68 out of 100, Moderate$99.2M8.2%0.23%vs
Concho Educators Federal Credit UnionCredit union San Angelo, TX72 out of 100, Strong$99.4M11.7%0.42%vs
Cooperative TeachersCredit union Tyler, TX30 out of 100, Low$93.8M7.9%4.31%vs
Coastal Community Federal Credit UnionCredit union Galveston, TX39 out of 100, Low$93.3M9.9%2.79%vs

Deposit insurance

Is my money safe at Edinburg Teachers Credit Union?

Yes. Edinburg Teachers Credit Union is a federally insured credit union (NCUA charter #66366). 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 3.2% of shares and deposits ($2.6M) 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 22.59%, 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

Edinburg Teachers Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Edinburg Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66366
RSSD ID
555395
Primary regulator
State + NCUA
Established
1955
Headquarters
900 W University Dr, Edinburg, TX 78539
Employees
17

Quick answers

Edinburg Teachers Credit Union: common questions

Is Edinburg Teachers Credit Union NCUA insured?

Yes. Edinburg Teachers Credit Union is a federally insured credit union (NCUA charter #66366). 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 Edinburg Teachers Credit Union's TellerScore?

85 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 Edinburg Teachers Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Edinburg

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs