TellerScore

First Community Credit Union (NCUA charter #66818) is based in Houston, Texas. Its Q2 2026 call report shows $3.1B in total assets and $2.0B in member shares and deposits and 12 offices.

First Community Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 305th. Problem-loan coverage contributes the most (90/100, 5.0%); capital cushion contributes the least (30/100, 7.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 7.98%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity50/100
Loans ÷ shares: 118.4% · 9.9% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.00%

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 (58 → 58).

TellerScore
515559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202458
Q4 202456
Q1 202551
Q2 202558
Q3 202555
Q4 202556
Q1 202659
Q2 202658
Net worth ratio
7.00%7.98%8.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.86%
Q3 20248.96%
Q4 20248.47%
Q1 20257.91%
Q2 20258.54%
Q3 20258.05%
Q4 20257.81%
Q1 20268.09%
Q2 20267.98%
Delinquent loans (60+ days)
0.39%0.55%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.68%
Q3 20240.71%
Q4 20240.63%
Q1 20250.53%
Q2 20250.60%
Q3 20250.58%
Q4 20250.48%
Q1 20260.40%
Q2 20260.39%
Return on assets
0.02%0.46%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.51%
Q4 20240.46%
Q1 20250.02%
Q2 20250.83%
Q3 20250.68%
Q4 20250.60%
Q1 20260.90%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.1B7.98%0.39%0.85%118.4%
Q1 202659$3.0B8.09%0.40%0.90%108.8%
Q4 202556$3.0B7.81%0.48%0.60%101.6%
Q3 202555$2.9B8.05%0.58%0.68%111.4%
Q2 202558$2.7B8.54%0.60%0.83%101.8%
Q1 202551$2.7B7.91%0.53%0.02%105.8%
Q4 202456$2.6B8.47%0.63%0.46%98.6%
Q3 202458$2.4B8.96%0.71%0.51%94.0%
Q2 202459$2.4B8.86%0.68%0.61%90.4%

454 peers · $1 billion – $10 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 ratio7.98%
2nd
Problem loans0.39%
81st
Net charge-offs0.49%
53rd
Return on assets0.85%
54th
Loans to deposits118.4%
1st
Uninsured deposits9.9%
43rd
Loan-loss reserves0.00%
50th
Texas ratio5.0%
47th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Jsc Federal Credit UnionCredit union Houston, TX66 out of 100, Moderate$2.6B12.0%1.08%vs
Credit Union of TexasCredit union Allen, TX43 out of 100, Below average$2.6B8.1%1.59%vs
A+ Federal Credit UnionCredit union Austin, TX61 out of 100, Moderate$2.6B13.7%2.08%vs
Texans Credit UnionCredit union Richardson, TX70 out of 100, Strong$2.6B11.1%0.69%vs
Austin Telco Federal Credit UnionCredit union Austin, TX78 out of 100, Strong$2.5B14.0%0.35%vs
Advancial Federal Credit UnionCredit union Dallas, TX43 out of 100, Below average$2.4B8.0%1.33%vs

Deposit insurance

Is my money safe at First Community Credit Union?

Yes. First Community Credit Union is a federally insured credit union (NCUA charter #66818). 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 9.9% of shares and deposits ($200.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 7.98%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

First Community Credit Union lists 12 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66818
RSSD ID
794194
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 840129, Houston, TX 77284
Employees
426

Quick answers

First Community Credit Union: common questions

Is First Community Credit Union NCUA insured?

Yes. First Community Credit Union is a federally insured credit union (NCUA charter #66818). 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 First Community Credit Union's TellerScore?

58 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 First Community Credit Union have?

12 offices as of the latest NCUA data.

Nearby

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