Headquartered in Killeen, Texas, Greater Central Texas Federal Credit Union is a federal credit union with $34.2M in total assets and $30.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1957.
Greater Central Texas Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 122nd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (53/100, 0.83%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 78 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.79% |
| Q3 2024 | 10.10% |
| Q4 2024 | 10.62% |
| Q1 2025 | 10.47% |
| Q2 2025 | 10.59% |
| Q3 2025 | 10.63% |
| Q4 2025 | 10.96% |
| Q1 2026 | 10.96% |
| Q2 2026 | 11.30% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.30% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.08% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $34.2M | 11.30% | 0.00% | 0.83% | 26.4% |
| Q1 2026 | 78 | $34.6M | 10.96% | 0.08% | 0.86% | 26.8% |
| Q4 2025 | 79 | $33.9M | 10.96% | 0.00% | 0.91% | 27.5% |
| Q3 2025 | 79 | $34.7M | 10.63% | 0.00% | 1.08% | 26.7% |
| Q2 2025 | 79 | $34.0M | 10.59% | 0.05% | 1.09% | 29.0% |
| Q1 2025 | 80 | $33.6M | 10.47% | 0.09% | 1.24% | 33.0% |
| Q4 2024 | 80 | $32.1M | 10.62% | 0.18% | 1.36% | 33.8% |
| Q3 2024 | 78 | $32.6M | 10.10% | 0.24% | 1.30% | 29.9% |
| Q2 2024 | 79 | $32.2M | 9.79% | 0.04% | 1.32% | 30.3% |
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 |
|---|---|---|---|---|---|
| Common Cents Federal Credit UnionCredit union Beaumont, TX | 87 out of 100, Very strong | $34.2M | 12.1% | 0.30% | vs |
| Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX | 83 out of 100, Strong | $33.1M | 14.4% | 0.43% | vs |
| Brazos Star Credit UnionCredit union College Station, TX | 88 out of 100, Very strong | $35.5M | 15.1% | 0.40% | vs |
| Beaumont Community Credit UnionCredit union Beaumont, TX | 82 out of 100, Strong | $35.8M | 13.7% | 0.00% | vs |
| Wichita Falls Federal Credit UnionCredit union Wichita Falls, TX | 76 out of 100, Strong | $36.1M | 11.8% | 0.32% | vs |
| Matagorda County Credit UnionCredit union Bay City, TX | 94 out of 100, Very strong | $36.2M | 17.4% | 0.31% | vs |
Deposit insurance
Is my money safe at Greater Central Texas Federal Credit Union?
Yes. Greater Central Texas Federal Credit Union is a federally insured credit union (NCUA charter #11995). 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 3.8% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Greater Central Texas Federal Credit Union lists 1 office in 1 city. Most locations:
- Killeen, TX (1)
Identity & history
Profile
- Legal name
- Greater Central Texas Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11995
- RSSD ID
- 61186
- Primary regulator
- NCUA
- Established
- 1957
- Headquarters
- 3305 E Elms Rd, Killeen, TX 76542
- Employees
- 8
Quick answers
Greater Central Texas Federal Credit Union: common questions
Is Greater Central Texas Federal Credit Union NCUA insured?
Yes. Greater Central Texas Federal Credit Union is a federally insured credit union (NCUA charter #11995). 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 Greater Central Texas Federal Credit Union's TellerScore?
80 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 Greater Central Texas Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Killeen
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educators Credit UnionCredit union Waco, TX | 99 out of 100, Very strong | $609.5M | 20.3% | 0.17% | vs |
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| First Texas BankBank Georgetown, TX | 80 out of 100, Strong | $1.3B | 11.2% | 0.58% | vs |
| Round Top State BankBank Round Top, TX | 80 out of 100, Strong | $974.1M | 11.9% | 0.36% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |