Ellis County Teachers and Employees Federal Credit Union (NCUA charter #12266) is based in Waxahachie, Texas. Its Q2 2026 call report shows $18.5M in total assets and $14.7M in member shares and deposits and 2 offices.
Ellis County Teachers and Employees Federal Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 9th. Capital cushion contributes the most (100/100, 20.13%); earnings contributes the least (87/100, 1.67%).
TellerScore · Q2 2026
Scorecard
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 2 points (99 → 97), mostly because the earnings component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 98 |
| Q3 2024 | 99 |
| Q4 2024 | 100 |
| Q1 2025 | 100 |
| Q2 2025 | 99 |
| Q3 2025 | 99 |
| Q4 2025 | 99 |
| Q1 2026 | 97 |
| Q2 2026 | 97 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.62% |
| Q3 2024 | 17.49% |
| Q4 2024 | 18.62% |
| Q1 2025 | 18.96% |
| Q2 2025 | 19.16% |
| Q3 2025 | 19.51% |
| Q4 2025 | 19.79% |
| Q1 2026 | 19.83% |
| Q2 2026 | 20.13% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.70% |
| Q3 2024 | 1.93% |
| Q4 2024 | 2.04% |
| Q1 2025 | 1.97% |
| Q2 2025 | 1.94% |
| Q3 2025 | 1.94% |
| Q4 2025 | 1.91% |
| Q1 2026 | 1.65% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $18.5M | 20.13% | 0.00% | 1.67% | 48.3% |
| Q1 2026 | 97 | $18.4M | 19.83% | 0.00% | 1.65% | 50.6% |
| Q4 2025 | 99 | $18.0M | 19.79% | 0.00% | 1.91% | 53.5% |
| Q3 2025 | 99 | $17.9M | 19.51% | 0.09% | 1.94% | 55.0% |
| Q2 2025 | 99 | $17.7M | 19.16% | 0.00% | 1.94% | 57.2% |
| Q1 2025 | 100 | $17.5M | 18.96% | 0.00% | 1.97% | 59.7% |
| Q4 2024 | 100 | $17.3M | 18.62% | 0.01% | 2.04% | 61.8% |
| Q3 2024 | 99 | $17.9M | 17.49% | 0.01% | 1.93% | 59.8% |
| Q2 2024 | 98 | $18.2M | 16.62% | 0.00% | 1.70% | 58.1% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st University Credit UnionCredit union Waco, TX | 65 out of 100, Moderate | $18.5M | 10.0% | 0.41% | vs |
| Txdot Credit UnionCredit union Abilene, TX | 81 out of 100, Strong | $18.2M | 17.2% | 0.54% | vs |
| Linkage Credit UnionCredit union Waco, TX | 73 out of 100, Strong | $18.2M | 17.9% | 1.27% | vs |
| Victoria Teachers Federal Credit UnionCredit union Victoria, TX | 88 out of 100, Very strong | $18.0M | 33.0% | 0.08% | vs |
| Southern Star Credit UnionCredit union Houston, TX | 57 out of 100, Moderate | $17.7M | 13.2% | 1.87% | vs |
| Germania Credit UnionCredit union Brenham, TX | 81 out of 100, Strong | $19.5M | 12.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Ellis County Teachers and Employees Federal Credit Union?
Yes. Ellis County Teachers and Employees Federal Credit Union is a federally insured credit union (NCUA charter #12266). 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 20.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Ellis County Teachers and Employees Federal Credit Union lists 2 offices in 1 city. Most locations:
- Waxahachie, TX (2)
Identity & history
Profile
- Legal name
- Ellis County Teachers and Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12266
- RSSD ID
- 538585
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- P O Box 308, Waxahachie, TX 75168
- Employees
- 3
Quick answers
Ellis County Teachers and Employees Federal Credit Union: common questions
Is Ellis County Teachers and Employees Federal Credit Union NCUA insured?
Yes. Ellis County Teachers and Employees Federal Credit Union is a federally insured credit union (NCUA charter #12266). 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 Ellis County Teachers and Employees Federal Credit Union's TellerScore?
97 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 Ellis County Teachers and Employees Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Waxahachie
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Centex Citizens Credit UnionCredit union Mexia, TX | 89 out of 100, Very strong | $118.9M | 17.2% | 0.44% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| Allied Federal Credit UnionCredit union Arlington, TX | 88 out of 100, Very strong | $137.6M | 12.2% | 0.23% | vs |
| Dallas U.P. Employees Credit UnionCredit union Dallas, TX | 81 out of 100, Strong | $27.2M | 24.3% | 1.54% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |