TellerScore

Headquartered in Groves, Texas, Golden Triangle Federal Credit Union is a federal credit union with $37.9M in total assets and $30.6M in member shares and deposits as of Q2 2026. Its charter dates back to 1953.

Golden Triangle Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 129th. Capital cushion contributes the most (100/100, 18.61%); earnings contributes the least (22/100, 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.61%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity100/100
Loans ÷ shares: 48.8% · 1.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.33%

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 13 points (92 → 79), mostly because the earnings component weakened by 56 points.

TellerScore
798794Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202490
Q4 202493
Q1 202593
Q2 202592
Q3 202594
Q4 202588
Q1 202683
Q2 202679
Net worth ratio
7.00%12.97%18.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.75%
Q3 202418.47%
Q4 202418.92%
Q1 202518.41%
Q2 202518.32%
Q3 202518.95%
Q4 202518.38%
Q1 202618.34%
Q2 202618.61%
Delinquent loans (60+ days)
0.08%0.38%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.68%
Q3 20240.42%
Q4 20240.19%
Q1 20250.43%
Q2 20250.39%
Q3 20250.08%
Q4 20250.52%
Q1 20260.42%
Q2 20260.63%
Return on assets
0.05%0.80%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.21%
Q4 20241.32%
Q1 20251.56%
Q2 20251.46%
Q3 20251.34%
Q4 20251.07%
Q1 20260.38%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$37.9M18.61%0.63%0.05%48.8%
Q1 202683$38.7M18.34%0.42%0.38%47.3%
Q4 202588$38.4M18.38%0.52%1.07%49.7%
Q3 202594$37.1M18.95%0.08%1.34%51.1%
Q2 202592$37.8M18.32%0.39%1.46%51.4%
Q1 202593$36.9M18.41%0.43%1.56%52.3%
Q4 202493$35.2M18.92%0.19%1.32%58.4%
Q3 202490$35.3M18.47%0.42%1.21%58.7%
Q2 202486$35.9M17.75%0.68%0.98%58.6%

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 ratio18.61%
72nd
Problem loans0.63%
53rd
Net charge-offs0.75%
19th
Return on assets0.05%
21st
Loans to deposits48.8%
66th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Aspire Credit UnionCredit union Lufkin, TX94 out of 100, Very strong$38.0M20.5%0.05%vs
Austin Federal Credit UnionCredit union Austin, TX58 out of 100, Moderate$38.4M9.3%1.40%vs
Members Financial Federal Credit UnionCredit union Midland, TX64 out of 100, Moderate$38.6M8.8%0.16%vs
Mid-Tex Federal Credit UnionCredit union Brownwood, TX65 out of 100, Moderate$36.4M9.2%0.90%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs

Deposit insurance

Is my money safe at Golden Triangle Federal Credit Union?

Yes. Golden Triangle Federal Credit Union is a federally insured credit union (NCUA charter #8298). 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 1.4% of shares and deposits ($441K) 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 18.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Golden Triangle Federal Credit Union
Type
Federal credit union
NCUA charter #
8298
RSSD ID
521989
Primary regulator
NCUA
Established
1953
Headquarters
5211 E Parkway St, Groves, TX 77619
Employees
11

Quick answers

Golden Triangle Federal Credit Union: common questions

Is Golden Triangle Federal Credit Union NCUA insured?

Yes. Golden Triangle Federal Credit Union is a federally insured credit union (NCUA charter #8298). 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 Golden Triangle Federal Credit Union's TellerScore?

79 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.