TellerScore

Hale County Teachers Federal Credit Union is a federal credit union headquartered in Plainview, Texas, in business for about 64 years. At the end of Q2 2026 it reported $11.1M in total assets and $9.9M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Hale County Teachers Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 230th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (14/100; -0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.36%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings14/100
Return on assets (annualized): -0.15%
Funding & liquidity100/100
Loans ÷ shares: 53.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.01%

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 8 points (77 → 69), mostly because the earnings component weakened by 33 points.

TellerScore
697377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202473
Q1 202574
Q2 202577
Q3 202574
Q4 202574
Q1 202669
Q2 202669
Net worth ratio
7.00%9.34%11.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.59%
Q3 202411.69%
Q4 202411.47%
Q1 202511.49%
Q2 202511.21%
Q3 202510.80%
Q4 202510.70%
Q1 202610.62%
Q2 202610.36%
Delinquent loans (60+ days)
0.00%0.07%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.01%
Q4 20240.01%
Q1 20250.13%
Q2 20250.12%
Q3 20250.12%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.21%0.23%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.32%
Q4 20240.12%
Q1 20250.29%
Q2 20250.67%
Q3 20250.48%
Q4 20250.29%
Q1 2026-0.21%
Q2 2026-0.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$11.1M10.36%0.00%-0.15%53.8%
Q1 202669$10.8M10.62%0.00%-0.21%54.3%
Q4 202574$10.8M10.70%0.00%0.29%54.0%
Q3 202574$10.8M10.80%0.12%0.48%57.0%
Q2 202577$10.4M11.21%0.12%0.67%61.4%
Q1 202574$9.9M11.49%0.13%0.29%65.5%
Q4 202473$9.9M11.47%0.01%0.12%68.6%
Q3 202475$9.8M11.69%0.01%0.32%70.7%
Q2 202472$9.7M11.59%0.02%0.05%71.9%

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 ratio10.36%
19th
Problem loans0.00%
87th
Net charge-offs0.00%
77th
Return on assets-0.15%
16th
Loans to deposits53.8%
57th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
87th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
Baker Hughes Federal Credit UnionCredit union Houston, TX66 out of 100, Moderate$11.2M12.8%0.84%vs
Met Tran Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$11.2M14.6%0.12%vs
Texarkana Terminal Employees Federal Credit UnionCredit union Texarkana, TX63 out of 100, Moderate$10.9M10.0%1.15%vs
T & P Longview Federal Credit UnionCredit union Longview, TX86 out of 100, Very strong$11.3M23.6%0.35%vs
Brownfield Federal Credit UnionCredit union Brownfield, TX74 out of 100, Strong$11.4M34.5%0.57%vs

Deposit insurance

Is my money safe at Hale County Teachers Federal Credit Union?

Yes. Hale County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #15297). 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 0.0% of shares and deposits ($0) 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 10.36%, 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

Hale County Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hale County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
15297
RSSD ID
126281
Primary regulator
NCUA
Established
1962
Headquarters
611 Broadway St., Plainview, TX 79072
Employees
3

Quick answers

Hale County Teachers Federal Credit Union: common questions

Is Hale County Teachers Federal Credit Union NCUA insured?

Yes. Hale County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #15297). 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 Hale County Teachers Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Hale County Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Plainview

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of BurnetBank Burnet, TX86 out of 100, Very strong$325.8M12.5%0.13%vs
Plains Federal Credit UnionCredit union Plainview, TX80 out of 100, Strong$4.0M14.5%0.09%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs
Kress National BankBank Kress, TX76 out of 100, Strong$63.7M9.6%0.00%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs