TellerScore

Fannin Federal Credit Union is a federal credit union headquartered in Bonham, Texas, in business for about 60 years. At the end of Q2 2026 it reported $80.9M in total assets and $64.3M in member shares and deposits, with 1 office.

Fannin Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 18th. Capital cushion contributes the most (100/100, 20.21%); loan quality contributes the least (80/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.21%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings100/100
Return on assets (annualized): 2.39%
Funding & liquidity97/100
Loans ÷ shares: 62.8% · 5.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.61%

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 (96 → 94), mostly because the loan quality component weakened by 11 points.

TellerScore
949697Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202496
Q3 202497
Q4 202494
Q1 202596
Q2 202596
Q3 202595
Q4 202597
Q1 202697
Q2 202694
Net worth ratio
7.00%13.61%20.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.10%
Q3 202417.51%
Q4 202417.84%
Q1 202517.91%
Q2 202518.71%
Q3 202519.20%
Q4 202519.45%
Q1 202619.97%
Q2 202620.21%
Delinquent loans (60+ days)
0.16%0.39%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.16%
Q4 20240.54%
Q1 20250.30%
Q2 20250.26%
Q3 20250.46%
Q4 20250.23%
Q1 20260.26%
Q2 20260.61%
Return on assets
2.25%2.64%3.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.04%
Q3 20242.97%
Q4 20242.88%
Q1 20252.25%
Q2 20252.51%
Q3 20252.44%
Q4 20252.43%
Q1 20262.48%
Q2 20262.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$80.9M20.21%0.61%2.39%62.8%
Q1 202697$79.5M19.97%0.26%2.48%64.8%
Q4 202597$79.1M19.45%0.23%2.43%66.2%
Q3 202595$77.5M19.20%0.46%2.44%66.9%
Q2 202596$77.1M18.71%0.26%2.51%68.4%
Q1 202596$77.6M17.91%0.30%2.25%67.5%
Q4 202494$75.5M17.84%0.54%2.88%69.7%
Q3 202497$73.9M17.51%0.16%2.97%70.4%
Q2 202496$72.5M17.10%0.31%3.04%70.6%

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 ratio20.21%
78th
Problem loans0.61%
53rd
Net charge-offs0.21%
46th
Return on assets2.39%
97th
Loans to deposits62.8%
44th
Uninsured deposits5.1%
21st
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Baylor Health Care System Credit UnionCredit union Dallas, TX76 out of 100, Strong$80.6M21.9%1.54%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Memorial Credit UnionCredit union Houston, TX62 out of 100, Moderate$84.2M11.1%0.66%vs
City Federal Credit UnionCredit union Amarillo, TX61 out of 100, Moderate$84.3M16.3%1.59%vs
Freestone Credit UnionCredit union Teague, TX73 out of 100, Strong$77.3M10.3%0.10%vs
Hereford Texas Federal Credit UnionCredit union Hereford, TX80 out of 100, Strong$77.3M21.4%0.91%vs

Deposit insurance

Is my money safe at Fannin Federal Credit Union?

Yes. Fannin Federal Credit Union is a federally insured credit union (NCUA charter #17254). 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 5.1% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.21%, 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 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 Federal Credit Union
Type
Federal credit union
NCUA charter #
17254
RSSD ID
549189
Primary regulator
NCUA
Established
1966
Headquarters
1737 N State Highway 121, Bonham, TX 75418
Employees
13

Quick answers

Fannin Federal Credit Union: common questions

Is Fannin Federal Credit Union NCUA insured?

Yes. Fannin Federal Credit Union is a federally insured credit union (NCUA charter #17254). 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 Federal Credit Union's TellerScore?

94 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 Fannin 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
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
Texas Republic Bank, National AssociationBank Frisco, TX71 out of 100, Strong$510.6M13.3%1.06%vs