TellerScore

Fivepoint Credit Union (NCUA charter #68643) is based in Nederland, Texas. Its Q2 2026 call report shows $1.1B in total assets and $1.0B in member shares and deposits and 9 offices.

Fivepoint Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 317th. Problem-loan coverage contributes the most (86/100, 6.9%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.78%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.76%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity72/100
Loans ÷ shares: 88.5% · 5.9% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.90%

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 7 points (64 → 57), mostly because the earnings component weakened by 13 points.

TellerScore
556064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202459
Q1 202560
Q2 202564
Q3 202560
Q4 202561
Q1 202655
Q2 202657
Net worth ratio
7.00%8.21%9.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.42%
Q3 20249.42%
Q4 20249.31%
Q1 20259.04%
Q2 20259.17%
Q3 20259.00%
Q4 20258.99%
Q1 20268.90%
Q2 20268.78%
Delinquent loans (60+ days)
0.42%0.59%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.54%
Q4 20240.60%
Q1 20250.50%
Q2 20250.47%
Q3 20250.72%
Q4 20250.76%
Q1 20260.62%
Q2 20260.76%
Return on assets
-0.00%0.39%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.25%
Q4 20240.29%
Q1 20250.35%
Q2 20250.78%
Q3 20250.65%
Q4 20250.77%
Q1 2026-0.00%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$1.1B8.78%0.76%0.45%88.5%
Q1 202655$1.1B8.90%0.62%-0.00%86.2%
Q4 202561$1.1B8.99%0.76%0.77%86.6%
Q3 202560$1.1B9.00%0.72%0.65%87.8%
Q2 202564$1.0B9.17%0.47%0.78%87.0%
Q1 202560$1.0B9.04%0.50%0.35%85.0%
Q4 202459$987.2M9.31%0.60%0.29%87.0%
Q3 202460$970.9M9.42%0.54%0.25%87.8%
Q2 202461$962.7M9.42%0.42%0.22%88.5%

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 ratio8.78%
8th
Problem loans0.76%
43rd
Net charge-offs0.76%
26th
Return on assets0.45%
19th
Loans to deposits88.5%
49th
Uninsured deposits5.9%
82nd
Loan-loss reserves0.00%
50th
Texas ratio6.9%
29th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance Credit UnionCredit union Lubbock, TX62 out of 100, Moderate$1.1B10.9%1.07%vs
Neighborhood Credit UnionCredit union Dallas, TX59 out of 100, Moderate$1.1B10.8%1.54%vs
Raiz Federal Credit UnionCredit union El Paso, TX62 out of 100, Moderate$1.1B10.2%0.95%vs
Velocity Credit UnionCredit union Austin, TX76 out of 100, Strong$1.1B13.9%0.57%vs
Brazos Valley Schools Credit UnionCredit union Katy, TX68 out of 100, Moderate$1.0B10.6%1.32%vs
Houston Police Federal Credit UnionCredit union Houston, TX87 out of 100, Very strong$1.0B16.4%0.70%vs

Deposit insurance

Is my money safe at Fivepoint Credit Union?

Yes. Fivepoint Credit Union is a federally insured credit union (NCUA charter #68643). 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 5.9% of shares and deposits ($59.4M) 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 8.78%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Fivepoint Credit Union lists 9 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fivepoint Credit Union reported 478 home-loan applications under HMDA (LEI 549300HO5ZZCX2Z8V467): 348 originated ($73,740,000 total), 73 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fivepoint Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68643
RSSD ID
176875
Primary regulator
State + NCUA
Established
1935
Headquarters
3700 Skyline Dr, Nederland, TX 77627
Employees
214

Quick answers

Fivepoint Credit Union: common questions

Is Fivepoint Credit Union NCUA insured?

Yes. Fivepoint Credit Union is a federally insured credit union (NCUA charter #68643). 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 Fivepoint Credit Union's TellerScore?

57 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 Fivepoint Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nederland

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs