TellerScore

H E B Federal Credit Union is a federal credit union headquartered in San Antonio, Texas, in business for about 63 years. At the end of Q2 2026 it reported $218.2M in total assets and $172.6M in member shares and deposits, with 1 office.

H E B Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 63rd. Capital cushion contributes the most (100/100, 18.31%); earnings contributes the least (58/100, 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.31%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity72/100
Loans ÷ shares: 88.1% · 3.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.71%

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 (85 → 86).

TellerScore
838587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202483
Q4 202487
Q1 202586
Q2 202585
Q3 202584
Q4 202586
Q1 202686
Q2 202686
Net worth ratio
7.00%12.65%18.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.41%
Q3 202417.93%
Q4 202417.55%
Q1 202517.55%
Q2 202517.92%
Q3 202518.13%
Q4 202518.13%
Q1 202618.08%
Q2 202618.31%
Delinquent loans (60+ days)
0.07%0.21%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.34%
Q4 20240.12%
Q1 20250.12%
Q2 20250.07%
Q3 20250.18%
Q4 20250.24%
Q1 20260.14%
Q2 20260.19%
Return on assets
0.73%0.89%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.80%
Q4 20240.99%
Q1 20250.76%
Q2 20250.78%
Q3 20250.86%
Q4 20251.04%
Q1 20260.93%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$218.2M18.31%0.19%0.95%88.1%
Q1 202686$218.1M18.08%0.14%0.93%87.7%
Q4 202586$214.7M18.13%0.24%1.04%90.4%
Q3 202584$209.9M18.13%0.18%0.86%92.3%
Q2 202585$209.4M17.92%0.07%0.78%88.5%
Q1 202586$211.5M17.55%0.12%0.76%83.0%
Q4 202487$209.2M17.55%0.12%0.99%82.9%
Q3 202483$199.8M17.93%0.34%0.80%86.8%
Q2 202485$203.3M17.41%0.16%0.73%83.2%

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 ratio18.31%
95th
Problem loans0.19%
91st
Net charge-offs0.13%
81st
Return on assets0.95%
63rd
Loans to deposits88.1%
21st
Uninsured deposits3.7%
75th
Loan-loss reserves0.00%
50th
Texas ratio0.7%
92nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
Santa Fe Federal Credit UnionCredit union Amarillo, TX73 out of 100, Strong$214.8M12.9%0.48%vs
Beacon Federal Credit UnionCredit union La Porte, TX63 out of 100, Moderate$214.7M8.7%0.41%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs
Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX88 out of 100, Very strong$212.9M16.3%0.06%vs
Access Community Credit UnionCredit union Amarillo, TX66 out of 100, Moderate$210.9M10.6%0.27%vs

Deposit insurance

Is my money safe at H E B Federal Credit Union?

Yes. H E B Federal Credit Union is a federally insured credit union (NCUA charter #15650). 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 3.7% of shares and deposits ($6.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 18.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

H E B Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
H E B Federal Credit Union
Type
Federal credit union
NCUA charter #
15650
RSSD ID
347880
Primary regulator
NCUA
Established
1963
Headquarters
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Employees
31

Quick answers

H E B Federal Credit Union: common questions

Is H E B Federal Credit Union NCUA insured?

Yes. H E B Federal Credit Union is a federally insured credit union (NCUA charter #15650). 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 H E B Federal Credit Union's TellerScore?

86 out of 100 (Very 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 H E B Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Antonio

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs