TellerScore

Headquartered in Fort Worth, Texas, Fort Worth City Credit Union is a federally insured state-chartered credit union with $336.8M in total assets and $296.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.

Fort Worth City Credit Union has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 24th. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (81/100, 13.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.10%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings97/100
Return on assets (annualized): 1.91%
Funding & liquidity97/100
Loans ÷ shares: 63.5% · 2.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.14%

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 rose 7 points (86 → 93), mostly because the earnings component improved by 23 points.

TellerScore
818793Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202481
Q1 202586
Q2 202586
Q3 202587
Q4 202584
Q1 202692
Q2 202693
Net worth ratio
7.00%10.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.20%
Q3 202412.39%
Q4 202412.44%
Q1 202512.28%
Q2 202512.65%
Q3 202512.81%
Q4 202512.59%
Q1 202612.68%
Q2 202613.10%
Delinquent loans (60+ days)
0.03%0.06%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.10%
Q4 20240.08%
Q1 20250.05%
Q2 20250.10%
Q3 20250.07%
Q4 20250.03%
Q1 20260.03%
Q2 20260.03%
Return on assets
0.70%1.31%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.01%
Q4 20240.70%
Q1 20251.37%
Q2 20251.34%
Q3 20251.36%
Q4 20251.01%
Q1 20261.92%
Q2 20261.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$336.8M13.10%0.03%1.91%63.5%
Q1 202692$335.1M12.68%0.03%1.92%63.2%
Q4 202584$324.7M12.59%0.03%1.01%64.7%
Q3 202587$320.0M12.81%0.07%1.36%64.2%
Q2 202586$314.9M12.65%0.10%1.34%64.1%
Q1 202586$316.0M12.28%0.05%1.37%61.3%
Q4 202481$303.1M12.44%0.08%0.70%63.3%
Q3 202483$306.7M12.39%0.10%1.01%61.0%
Q2 202483$305.2M12.20%0.08%1.01%60.8%

1,341 peers · $100 million – $1 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 ratio13.10%
70th
Problem loans0.03%
98th
Net charge-offs0.08%
88th
Return on assets1.91%
96th
Loans to deposits63.5%
73rd
Uninsured deposits2.8%
85th
Loan-loss reserves0.00%
50th
Texas ratio0.1%
99th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
First Basin Credit UnionCredit union Odessa, TX75 out of 100, Strong$343.2M11.5%0.29%vs
Texoma Community Credit UnionCredit union Wichita Falls, TX63 out of 100, Moderate$325.5M11.2%0.70%vs
Gulf Credit UnionCredit union Groves, TX68 out of 100, Moderate$348.6M10.0%0.45%vs
Evolve Federal Credit UnionCredit union El Paso, TX70 out of 100, Strong$323.2M10.8%0.04%vs
Acfcu Federal Credit UnionCredit union Amarillo, TX57 out of 100, Moderate$319.0M8.6%1.06%vs

Deposit insurance

Is my money safe at Fort Worth City Credit Union?

Yes. Fort Worth City Credit Union is a federally insured credit union (NCUA charter #67532). 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 2.8% of shares and deposits ($8.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Fort Worth City Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fort Worth City Credit Union reported 229 home-loan applications under HMDA (LEI 549300EW5YD0HPCTME62): 111 originated ($16,995,000 total), 73 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 38.4%, 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
Fort Worth City Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67532
RSSD ID
704595
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 100099, Fort Worth, TX 76185
Employees
45

Quick answers

Fort Worth City Credit Union: common questions

Is Fort Worth City Credit Union NCUA insured?

Yes. Fort Worth City Credit Union is a federally insured credit union (NCUA charter #67532). 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 Fort Worth City Credit Union's TellerScore?

93 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 Fort Worth City Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs
Charles Schwab Trust BankBank Westlake, TX88 out of 100, Very strong$10.5B10.9%0.00%vs