TellerScore

Hereford Texas Federal Credit Union (NCUA charter #1401) is based in Hereford, Texas. Its Q2 2026 call report shows $77.3M in total assets and $59.6M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Hereford Texas Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 120th. Its strongest component is capital cushion (100/100; 21.43%), and its lowest is earnings (49/100; 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.43%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings49/100
Return on assets (annualized): 0.74%
Funding & liquidity90/100
Loans ÷ shares: 70.3% · 7.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.67%

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).

TellerScore
697683Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202477
Q4 202476
Q1 202579
Q2 202579
Q3 202580
Q4 202582
Q1 202683
Q2 202680
Net worth ratio
7.00%14.62%22.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.24%
Q3 202422.08%
Q4 202421.86%
Q1 202521.72%
Q2 202521.75%
Q3 202522.13%
Q4 202521.82%
Q1 202621.46%
Q2 202621.43%
Delinquent loans (60+ days)
0.61%1.13%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.65%
Q3 20240.96%
Q4 20241.19%
Q1 20250.71%
Q2 20250.61%
Q3 20250.74%
Q4 20250.66%
Q1 20260.68%
Q2 20260.91%
Return on assets
0.37%0.59%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.71%
Q4 20240.70%
Q1 20250.45%
Q2 20250.37%
Q3 20250.58%
Q4 20250.75%
Q1 20260.80%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$77.3M21.43%0.91%0.74%70.3%
Q1 202683$76.6M21.46%0.68%0.80%71.3%
Q4 202582$74.6M21.82%0.66%0.75%73.5%
Q3 202580$72.7M22.13%0.74%0.58%76.1%
Q2 202579$73.1M21.75%0.61%0.37%75.1%
Q1 202579$73.0M21.72%0.71%0.45%76.5%
Q4 202476$72.2M21.86%1.19%0.70%81.4%
Q3 202477$71.1M22.08%0.96%0.71%86.6%
Q2 202469$69.8M22.24%1.65%0.59%91.8%

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 ratio21.43%
82nd
Problem loans0.91%
42nd
Net charge-offs0.34%
36th
Return on assets0.74%
55th
Loans to deposits70.3%
33rd
Uninsured deposits7.5%
11th
Loan-loss reserves0.00%
37th
Texas ratio2.7%
45th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Freestone Credit UnionCredit union Teague, TX73 out of 100, Strong$77.3M10.3%0.10%vs
Southern Federal Credit UnionCredit union Houston, TX70 out of 100, Strong$76.4M44.5%2.09%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
Texan Sky Federal Credit UnionCredit union Dumas, TX82 out of 100, Strong$74.7M15.7%0.34%vs
Baylor Health Care System Credit UnionCredit union Dallas, TX76 out of 100, Strong$80.6M21.9%1.54%vs
Fannin Federal Credit UnionCredit union Bonham, TX94 out of 100, Very strong$80.9M20.2%0.61%vs

Deposit insurance

Is my money safe at Hereford Texas Federal Credit Union?

Yes. Hereford Texas Federal Credit Union is a federally insured credit union (NCUA charter #1401). 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 7.5% of shares and deposits ($4.5M) 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 21.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Hereford Texas Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Dimmitt, TX (1)
  • Hereford, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Hereford Texas Federal Credit Union
Type
Federal credit union
NCUA charter #
1401
RSSD ID
501075
Primary regulator
NCUA
Established
1936
Headquarters
330 Schley Ave, Hereford, TX 79045
Employees
20

Quick answers

Hereford Texas Federal Credit Union: common questions

Is Hereford Texas Federal Credit Union NCUA insured?

Yes. Hereford Texas Federal Credit Union is a federally insured credit union (NCUA charter #1401). 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 Hereford 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 Hereford Texas Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hereford

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs