TellerScore

Headquartered in Bonham, Texas, Fannin County Teachers Federal Credit Union is a federal credit union with $10.0M in total assets and $7.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1969.

Based on its Q2 2026 filing, Fannin County Teachers Federal Credit Union scores 55/100, which we describe as moderate. That is higher than only 15% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 334th. Its strongest component is capital cushion (100/100; 28.33%), and its lowest is loan quality (12/100; 2.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.33%
Loan quality12/100
Loans 60+ days delinquent ÷ total loans: 2.65%
Earnings31/100
Return on assets (annualized): 0.29%
Funding & liquidity50/100
Loans ÷ shares: 110.7% · 2.9% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.33%

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 17 points (72 → 55), mostly because the loan quality component weakened by 36 points.

TellerScore
557084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202482
Q4 202482
Q1 202584
Q2 202572
Q3 202583
Q4 202574
Q1 202666
Q2 202655
Net worth ratio
7.00%17.79%28.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.06%
Q3 202426.72%
Q4 202426.81%
Q1 202526.92%
Q2 202526.75%
Q3 202526.51%
Q4 202527.46%
Q1 202628.58%
Q2 202628.33%
Delinquent loans (60+ days)
0.24%1.44%2.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.69%
Q4 20240.65%
Q1 20250.24%
Q2 20251.55%
Q3 20250.28%
Q4 20251.07%
Q1 20262.05%
Q2 20262.65%
Return on assets
0.29%0.80%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.32%
Q4 20241.22%
Q1 20250.95%
Q2 20250.92%
Q3 20250.98%
Q4 20250.89%
Q1 20260.94%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$10.0M28.33%2.65%0.29%110.7%
Q1 202666$9.9M28.58%2.05%0.94%110.8%
Q4 202574$10.2M27.46%1.07%0.89%109.3%
Q3 202583$10.5M26.51%0.28%0.98%102.2%
Q2 202572$10.3M26.75%1.55%0.92%100.2%
Q1 202584$10.2M26.92%0.24%0.95%99.5%
Q4 202482$10.1M26.81%0.65%1.22%99.8%
Q3 202482$10.1M26.72%0.69%1.32%102.7%
Q2 202484$10.2M26.06%0.36%1.27%103.8%

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 ratio28.33%
93rd
Problem loans2.65%
15th
Net charge-offs0.12%
55th
Return on assets0.29%
31st
Loans to deposits110.7%
1st
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio7.3%
20th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
J.C.T. Federal Credit UnionCredit union Edna, TX80 out of 100, Strong$10.0M12.7%0.00%vs
Cochran County Schools Federal Credit UnionCredit union Morton, TX79 out of 100, Strong$10.2M14.6%0.77%vs
Neiman Marcus Group Employees Federal Credit UnionCredit union Dallas, TX77 out of 100, Strong$9.5M15.9%0.34%vs
Ila 28 Federal Credit UnionCredit union Pasadena, TX89 out of 100, Very strong$10.5M21.6%0.00%vs
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs

Deposit insurance

Is my money safe at Fannin County Teachers Federal Credit Union?

Yes. Fannin County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #19741). 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 2.9% of shares and deposits ($204K) 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 28.33%, 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

Fannin County Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

  • Bonham, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Fannin County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
19741
RSSD ID
104083
Primary regulator
NCUA
Established
1969
Headquarters
Po Box 626, Bonham, TX 75418
Employees
2

Quick answers

Fannin County Teachers Federal Credit Union: common questions

Is Fannin County Teachers Federal Credit Union NCUA insured?

Yes. Fannin County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #19741). 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 Fannin County Teachers Federal Credit Union's TellerScore?

55 out of 100 (Moderate), 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 Fannin County Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bonham

InstitutionScoreAssetsCapitalProblem loansCompare
Fannin Federal Credit UnionCredit union Bonham, TX94 out of 100, Very strong$80.9M20.2%0.61%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Community National Bank & Trust of TexasBank Corsicana, TX76 out of 100, Strong$1.7B10.6%0.09%vs
The First Bank of CelesteBank Celeste, TX75 out of 100, Strong$83.9M8.4%0.00%vs
Lamar National BankBank Paris, TX73 out of 100, Strong$375.9M10.6%0.15%vs