Frio County Federal Credit Union is a federal credit union headquartered in Pearsall, Texas, in business for about 56 years. At the end of Q2 2026 it reported $5.3M in total assets and $3.3M in member shares and deposits, with 3 offices.
Frio County Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 245th. Capital cushion contributes the most (100/100, 37.35%); earnings contributes the least (0/100, -1.42%).
TellerScore · Q2 2026
Scorecard
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 25 points (92 → 67), mostly because the earnings component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 81 |
| Q4 2024 | 76 |
| Q1 2025 | 70 |
| Q2 2025 | 92 |
| Q3 2025 | 61 |
| Q4 2025 | 50 |
| Q1 2026 | 62 |
| Q2 2026 | 67 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 30.12% |
| Q3 2024 | 31.14% |
| Q4 2024 | 32.68% |
| Q1 2025 | 37.57% |
| Q2 2025 | 38.22% |
| Q3 2025 | 37.35% |
| Q4 2025 | 38.19% |
| Q1 2026 | 37.23% |
| Q2 2026 | 37.35% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.92% |
| Q1 2025 | 2.18% |
| Q2 2025 | 0.00% |
| Q3 2025 | 1.29% |
| Q4 2025 | 2.81% |
| Q1 2026 | 1.26% |
| Q2 2026 | 0.63% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.63% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.62% |
| Q2 2025 | 2.07% |
| Q3 2025 | -1.35% |
| Q4 2025 | -0.23% |
| Q1 2026 | -3.22% |
| Q2 2026 | -1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $5.3M | 37.35% | 0.63% | -1.42% | 126.0% |
| Q1 2026 | 62 | $5.3M | 37.23% | 1.26% | -3.22% | 130.4% |
| Q4 2025 | 50 | $5.4M | 38.19% | 2.81% | -0.23% | 135.0% |
| Q3 2025 | 61 | $5.4M | 37.35% | 1.29% | -1.35% | 131.4% |
| Q2 2025 | 92 | $5.5M | 38.22% | 0.00% | 2.07% | 132.1% |
| Q1 2025 | 70 | $5.5M | 37.57% | 2.18% | 1.62% | 130.1% |
| Q4 2024 | 76 | $6.3M | 32.68% | 0.92% | 1.04% | 119.1% |
| Q3 2024 | 81 | $6.5M | 31.14% | 0.00% | 0.63% | 113.6% |
| Q2 2024 | 76 | $6.7M | 30.12% | 0.43% | 0.37% | 105.1% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Pampa Municipal Credit UnionCredit union Pampa, TX | 68 out of 100, Moderate | $5.4M | 14.1% | 1.63% | vs |
| Redeemer Federal Credit UnionCredit union Plano, TX | 59 out of 100, Moderate | $5.4M | 27.5% | 2.75% | vs |
| Farmers Branch City Employees Federal Credit UnionCredit union Farmers Branch, TX | 57 out of 100, Moderate | $5.2M | 19.9% | 6.74% | vs |
| S.T.E.C. Federal Credit UnionCredit union Nursery, TX | 79 out of 100, Strong | $5.5M | 30.9% | 0.44% | vs |
| Moore County Schools Federal Credit UnionCredit union Dumas, TX | 62 out of 100, Moderate | $5.1M | 12.4% | 1.92% | vs |
Deposit insurance
Is my money safe at Frio County Federal Credit Union?
Yes. Frio County Federal Credit Union is a federally insured credit union (NCUA charter #20267). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 37.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Frio County Federal Credit Union lists 3 offices in 1 city. Most locations:
- Pearsall, TX (3)
Identity & history
Profile
- Legal name
- Frio County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20267
- RSSD ID
- 538781
- Primary regulator
- NCUA
- Established
- 1970
- Headquarters
- 114 S Oak St, Pearsall, TX 78061
- Employees
- 3
Quick answers
Frio County Federal Credit Union: common questions
Is Frio County Federal Credit Union NCUA insured?
Yes. Frio County Federal Credit Union is a federally insured credit union (NCUA charter #20267). 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 Frio County Federal Credit Union's TellerScore?
67 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 Frio County Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pearsall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Pearsall, TX | 74 out of 100, Strong | $1.1B | 10.7% | 0.00% | vs |
| First Commercial Bank, National AssociationBank Seguin, TX | 73 out of 100, Strong | $565.9M | 10.3% | 0.45% | vs |
| The First State BankBank Louise, TX | 61 out of 100, Moderate | $895.2M | 10.6% | 2.16% | vs |
| American Momentum BankBank College Station, TX | 57 out of 100, Moderate | $2.8B | 19.2% | 3.52% | vs |