TellerScore

Headquartered in Pasadena, Texas, Ila 28 Federal Credit Union is a federal credit union with $10.5M in total assets and $8.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1970.

Based on its Q2 2026 filing, Ila 28 Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 48th. Its strongest component is capital cushion (100/100; 21.56%), and its lowest is earnings (59/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.56%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity82/100
Loans ÷ shares: 78.2% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 4 points (85 → 89), mostly because the earnings component improved by 9 points.

TellerScore
768389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202483
Q4 202484
Q1 202576
Q2 202585
Q3 202589
Q4 202587
Q1 202678
Q2 202689
Net worth ratio
7.00%15.05%23.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.11%
Q3 202422.88%
Q4 202422.27%
Q1 202521.94%
Q2 202521.78%
Q3 202522.42%
Q4 202521.21%
Q1 202620.98%
Q2 202621.56%
Delinquent loans (60+ days)
0.00%0.27%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.20%
Q4 20240.00%
Q1 20250.00%
Q2 20250.21%
Q3 20250.00%
Q4 20250.00%
Q1 20260.55%
Q2 20260.00%
Return on assets
-0.51%0.26%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.68%
Q4 20240.57%
Q1 2025-0.51%
Q2 20250.75%
Q3 20251.03%
Q4 20250.72%
Q1 20260.19%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$10.5M21.56%0.00%0.99%78.2%
Q1 202678$10.5M20.98%0.55%0.19%77.8%
Q4 202587$10.4M21.21%0.00%0.72%79.4%
Q3 202589$9.8M22.42%0.00%1.03%84.5%
Q2 202585$10.0M21.78%0.21%0.75%82.6%
Q1 202576$9.7M21.94%0.00%-0.51%87.4%
Q4 202484$9.6M22.27%0.00%0.57%88.6%
Q3 202483$9.3M22.88%0.20%0.68%89.5%
Q2 202480$9.1M23.11%0.21%0.39%94.1%

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 ratio21.56%
82nd
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.99%
67th
Loans to deposits78.2%
22nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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Deposit insurance

Is my money safe at Ila 28 Federal Credit Union?

Yes. Ila 28 Federal Credit Union is a federally insured credit union (NCUA charter #19983). 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 21.56%, 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

Ila 28 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ila 28 Federal Credit Union
Type
Federal credit union
NCUA charter #
19983
RSSD ID
649687
Primary regulator
NCUA
Established
1970
Headquarters
4100-A Greenshadow Dr, Pasadena, TX 77503
Employees
4

Quick answers

Ila 28 Federal Credit Union: common questions

Is Ila 28 Federal Credit Union NCUA insured?

Yes. Ila 28 Federal Credit Union is a federally insured credit union (NCUA charter #19983). 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 Ila 28 Federal Credit Union's TellerScore?

89 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 Ila 28 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pasadena

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs