TellerScore

Headquartered in Brenham, Texas, Germania Credit Union is a federally insured state-chartered credit union with $19.5M in total assets and $16.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1985.

Based on its Q2 2026 filing, Germania Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 115th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (41/100; 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.58%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity98/100
Loans ÷ shares: 62.2% · 1.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (81 → 81).

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202479
Q4 202476
Q1 202577
Q2 202581
Q3 202583
Q4 202581
Q1 202679
Q2 202681
Net worth ratio
7.00%10.06%13.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.91%
Q3 202412.15%
Q4 202411.66%
Q1 202511.97%
Q2 202512.33%
Q3 202513.12%
Q4 202512.61%
Q1 202612.45%
Q2 202612.58%
Delinquent loans (60+ days)
0.00%0.01%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.32%0.55%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.65%
Q3 20240.78%
Q4 20240.39%
Q1 20250.32%
Q2 20250.75%
Q3 20250.73%
Q4 20250.59%
Q1 20260.40%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$19.5M12.58%0.00%0.53%62.2%
Q1 202679$19.4M12.45%0.00%0.40%60.7%
Q4 202581$19.0M12.61%0.00%0.59%62.4%
Q3 202583$18.2M13.12%0.00%0.73%69.0%
Q2 202581$19.1M12.33%0.00%0.75%67.0%
Q1 202577$19.2M11.97%0.00%0.32%67.1%
Q4 202476$19.6M11.66%0.00%0.39%70.3%
Q3 202479$19.1M12.15%0.00%0.78%76.9%
Q2 202476$19.1M11.91%0.03%0.65%85.9%

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).

Capital ratio12.58%
36th
Problem loans0.00%
94th
Net charge-offs-0.03%
90th
Return on assets0.53%
44th
Loans to deposits62.2%
45th
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Amarillo Postal Employees Credit UnionCredit union Amarillo, TX77 out of 100, Strong$19.5M12.8%0.13%vs
Corner Stone Credit UnionCredit union Lancaster, TX59 out of 100, Moderate$20.0M9.4%0.53%vs
Brazos Community Credit UnionCredit union Alvin, TX57 out of 100, Moderate$20.0M17.0%2.10%vs
Texstar Federal Credit UnionCredit union Kenedy, TX53 out of 100, Below average$20.0M13.6%3.86%vs
Temple-Inland Federal Credit UnionCredit union Diboll, TX86 out of 100, Very strong$20.1M18.3%0.68%vs
Port Arthur Community Federal Credit UnionCredit union Port Arthur, TX66 out of 100, Moderate$20.2M12.2%0.38%vs

Deposit insurance

Is my money safe at Germania Credit Union?

Yes. Germania Credit Union is a federally insured credit union (NCUA charter #66857). 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 1.9% of shares and deposits ($315K) 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 12.58%, 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

Germania Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Germania Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66857
RSSD ID
779696
Primary regulator
State + NCUA
Established
1985
Headquarters
PO Box 645, Brenham, TX 77834
Employees
4

Quick answers

Germania Credit Union: common questions

Is Germania Credit Union NCUA insured?

Yes. Germania Credit Union is a federally insured credit union (NCUA charter #66857). 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 Germania Credit Union's TellerScore?

81 out of 100 (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 Germania Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brenham

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Global One BankBank Houston, TX84 out of 100, Strong$333.2M14.5%0.27%vs
The First National Bank of AndersonBank Anderson, TX81 out of 100, Strong$230.4M12.0%0.16%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
Austin County State BankBank Bellville, TX75 out of 100, Strong$543.0M9.5%0.37%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs