TellerScore

Headquartered in San Antonio, Texas, Firstmark Credit Union is a federally insured state-chartered credit union with $1.3B in total assets and $1.2B in member shares and deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, Firstmark Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 254th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is capital cushion (46/100; 9.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.62%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity87/100
Loans ÷ shares: 73.1% · 4.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.80%

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 (64 → 65).

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202463
Q4 202463
Q1 202563
Q2 202564
Q3 202562
Q4 202555
Q1 202665
Q2 202665
Net worth ratio
7.00%8.85%10.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.35%
Q3 202410.38%
Q4 202410.70%
Q1 202510.35%
Q2 202510.27%
Q3 202510.33%
Q4 20259.72%
Q1 20269.62%
Q2 20269.62%
Delinquent loans (60+ days)
0.55%0.69%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.55%
Q4 20240.74%
Q1 20250.61%
Q2 20250.63%
Q3 20250.65%
Q4 20250.82%
Q1 20260.71%
Q2 20260.70%
Return on assets
-0.42%0.14%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.16%
Q3 2024-0.07%
Q4 20240.09%
Q1 2025-0.03%
Q2 20250.10%
Q3 20250.06%
Q4 2025-0.42%
Q1 20260.68%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.3B9.62%0.70%0.69%73.1%
Q1 202665$1.3B9.62%0.71%0.68%69.7%
Q4 202555$1.2B9.72%0.82%-0.42%70.5%
Q3 202562$1.2B10.33%0.65%0.06%70.4%
Q2 202564$1.2B10.27%0.63%0.10%67.3%
Q1 202563$1.2B10.35%0.61%-0.03%66.5%
Q4 202463$1.2B10.70%0.74%0.09%68.2%
Q3 202463$1.2B10.38%0.55%-0.07%66.7%
Q2 202461$1.2B10.35%0.64%-0.16%66.1%

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 ratio9.62%
21st
Problem loans0.70%
47th
Net charge-offs0.87%
20th
Return on assets0.69%
37th
Loans to deposits73.1%
82nd
Uninsured deposits4.5%
91st
Loan-loss reserves0.00%
50th
Texas ratio4.8%
50th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Worth Credit UnionCredit union Bedford, TX70 out of 100, Strong$1.3B10.8%0.62%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs
Amplify Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.3B10.8%0.70%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Rave Financial Credit UnionCredit union Beaumont, TX71 out of 100, Strong$1.2B12.8%0.57%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs

Deposit insurance

Is my money safe at Firstmark Credit Union?

Yes. Firstmark Credit Union is a federally insured credit union (NCUA charter #62509). 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 4.5% of shares and deposits ($52.7M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.62%, 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

Firstmark Credit Union lists 12 offices in 3 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Firstmark Credit Union Platinum Rewards15.25% – 18.00%$0$250.0%

All Firstmark Credit Union card terms

Identity & history

Profile

Legal name
Firstmark Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62509
RSSD ID
681490
Primary regulator
State + NCUA
Established
1932
Headquarters
P.O. Box 701650, San Antonio, TX 78270
Employees
232

Quick answers

Firstmark Credit Union: common questions

Is Firstmark Credit Union NCUA insured?

Yes. Firstmark Credit Union is a federally insured credit union (NCUA charter #62509). 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 Firstmark Credit Union's TellerScore?

65 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 Firstmark Credit Union have?

12 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Antonio

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%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