TellerScore

Greater Texas Federal Credit Union (NCUA charter #7590) is based in Austin, Texas. Its Q2 2026 call report shows $995.4M in total assets and $906.8M in member shares and deposits and 8 offices.

Greater Texas Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 335th. Problem-loan coverage contributes the most (87/100, 6.4%); capital cushion contributes the least (23/100, 7.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion23/100
Net worth ratio: 7.25%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings37/100
Return on assets (annualized): 0.44%
Funding & liquidity71/100
Loans ÷ shares: 89.3% · 7.6% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.42%

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 rose 8 points (46 → 54), mostly because the earnings component improved by 23 points.

TellerScore
424955Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202442
Q3 202442
Q4 202443
Q1 202543
Q2 202546
Q3 202554
Q4 202555
Q1 202654
Q2 202654
Net worth ratio
6.74%7.01%7.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20246.94%
Q3 20246.87%
Q4 20246.97%
Q1 20256.84%
Q2 20256.74%
Q3 20257.18%
Q4 20257.22%
Q1 20267.28%
Q2 20267.25%
Delinquent loans (60+ days)
0.53%0.72%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20240.85%
Q4 20240.92%
Q1 20250.80%
Q2 20250.71%
Q3 20250.65%
Q4 20250.60%
Q1 20260.61%
Q2 20260.53%
Return on assets
-0.54%-0.02%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.54%
Q3 2024-0.48%
Q4 2024-0.33%
Q1 2025-0.45%
Q2 2025-0.14%
Q3 20250.48%
Q4 20250.49%
Q1 20260.45%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$995.4M7.25%0.53%0.44%89.3%
Q1 202654$988.0M7.28%0.61%0.45%85.0%
Q4 202555$980.0M7.22%0.60%0.49%84.3%
Q3 202554$957.3M7.18%0.65%0.48%86.3%
Q2 202546$955.5M6.74%0.71%-0.14%86.5%
Q1 202543$952.6M6.84%0.80%-0.45%87.2%
Q4 202443$935.6M6.97%0.92%-0.33%87.9%
Q3 202442$932.9M6.87%0.85%-0.48%90.2%
Q2 202442$942.2M6.94%0.84%-0.54%89.9%

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 ratio7.25%
1st
Problem loans0.53%
62nd
Net charge-offs0.58%
28th
Return on assets0.44%
26th
Loans to deposits89.3%
18th
Uninsured deposits7.6%
33rd
Loan-loss reserves0.00%
50th
Texas ratio6.4%
29th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Houston Federal Credit UnionCredit union Sugar Land, TX67 out of 100, Moderate$952.0M9.9%0.49%vs
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Community Resource Credit UnionCredit union Baytown, TX75 out of 100, Strong$929.5M11.0%0.47%vs
Texas Bay Credit UnionCredit union Houston, TX53 out of 100, Below average$905.0M7.5%0.55%vs
Southwest Airlines Federal Credit UnionCredit union Dallas, TX69 out of 100, Moderate$860.9M11.5%0.59%vs
Intouch Credit UnionCredit union Plano, TX55 out of 100, Moderate$837.4M8.9%1.38%vs

Deposit insurance

Is my money safe at Greater Texas Federal Credit Union?

Yes. Greater Texas Federal Credit Union is a federally insured credit union (NCUA charter #7590). 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 7.6% of shares and deposits ($68.8M) 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 7.25%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Greater Texas Federal Credit Union lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greater Texas Federal Credit Union reported 786 home-loan applications under HMDA (LEI 549300D5DG8D4966HK70): 259 originated ($40,455,000 total), 422 denied, and 80 withdrawn or closed by the applicant. Its denial rate on decided applications was 59.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Greater Texas Federal Credit Union
Type
Federal credit union
NCUA charter #
7590
RSSD ID
385284
Primary regulator
NCUA
Established
1952
Headquarters
12544 Riata Vista Circle, Austin, TX 78727
Employees
210

Quick answers

Greater Texas Federal Credit Union: common questions

Is Greater Texas Federal Credit Union NCUA insured?

Yes. Greater Texas Federal Credit Union is a federally insured credit union (NCUA charter #7590). 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 Texas Federal Credit Union's TellerScore?

54 out of 100 (Below average), 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 Texas Federal Credit Union have?

8 offices as of the latest NCUA data.