TellerScore

Government Employees Federal Credit Union (NCUA charter #24465) is based in Austin, Texas. Its Q2 2026 call report shows $189.4M in total assets and $169.5M in member shares and deposits and 6 offices.

Government Employees Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 194th. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 5% uninsured); capital cushion contributes the least (57/100, 10.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.73%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.83%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 56.5% · 5.3% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.92%

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 (73 → 72).

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202470
Q1 202570
Q2 202573
Q3 202573
Q4 202572
Q1 202673
Q2 202672
Net worth ratio
7.00%8.87%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.34%
Q3 20249.60%
Q4 20249.79%
Q1 20259.89%
Q2 202510.17%
Q3 202510.47%
Q4 202510.37%
Q1 202610.48%
Q2 202610.73%
Delinquent loans (60+ days)
0.34%0.59%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.36%
Q4 20240.37%
Q1 20250.41%
Q2 20250.34%
Q3 20250.44%
Q4 20250.51%
Q1 20260.44%
Q2 20260.83%
Return on assets
0.74%0.90%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.77%
Q4 20240.83%
Q1 20250.78%
Q2 20250.91%
Q3 20250.99%
Q4 20250.87%
Q1 20260.87%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$189.4M10.73%0.83%1.05%56.5%
Q1 202673$189.0M10.48%0.44%0.87%58.9%
Q4 202572$186.8M10.37%0.51%0.87%61.4%
Q3 202573$182.4M10.47%0.44%0.99%64.0%
Q2 202573$182.7M10.17%0.34%0.91%66.8%
Q1 202570$183.6M9.89%0.41%0.78%67.1%
Q4 202470$181.9M9.79%0.37%0.83%68.5%
Q3 202469$180.5M9.60%0.36%0.77%69.8%
Q2 202468$181.6M9.34%0.42%0.74%68.2%

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 ratio10.73%
40th
Problem loans0.83%
40th
Net charge-offs0.05%
91st
Return on assets1.05%
69th
Loans to deposits56.5%
83rd
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio3.9%
52nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Kelly Community Federal Credit UnionCredit union Tyler, TX75 out of 100, Strong$189.4M12.6%0.82%vs
Lone Star Credit UnionCredit union Dallas, TX65 out of 100, Moderate$188.3M8.9%0.25%vs
Priority Trust Credit UnionCredit union Houston, TX60 out of 100, Moderate$191.4M9.4%0.39%vs
First Central Credit UnionCredit union Waco, TX76 out of 100, Strong$191.7M16.4%1.95%vs
Chemcel Federal Credit UnionCredit union Bishop, TX74 out of 100, Strong$184.0M12.1%0.75%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs

Deposit insurance

Is my money safe at Government Employees Federal Credit Union?

Yes. Government Employees Federal Credit Union is a federally insured credit union (NCUA charter #24465). 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 5.3% of shares and deposits ($9.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Government Employees Federal Credit Union lists 6 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Government Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
24465
RSSD ID
562991
Primary regulator
NCUA
Established
1934
Headquarters
PO Box 81535, Austin, TX 78708
Employees
30

Quick answers

Government Employees Federal Credit Union: common questions

Is Government Employees Federal Credit Union NCUA insured?

Yes. Government Employees Federal Credit Union is a federally insured credit union (NCUA charter #24465). 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 Government Employees Federal Credit Union's TellerScore?

72 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 Government Employees Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs