TellerScore

Irving City Employees Federal Credit Union (NCUA charter #24481) is based in Irving, Texas. Its Q2 2026 call report shows $85.8M in total assets and $75.2M in member shares and deposits and 1 office.

Irving City Employees Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 64th. Earnings contributes the most (100/100, 2.36%); capital cushion contributes the least (70/100, 11.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.99%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings100/100
Return on assets (annualized): 2.36%
Funding & liquidity100/100
Loans ÷ shares: 53.6% · 3.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.18%

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 4 points (90 → 86), mostly because the capital cushion component weakened by 7 points.

TellerScore
688092Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202488
Q4 202476
Q1 202589
Q2 202590
Q3 202592
Q4 202568
Q1 202683
Q2 202686
Net worth ratio
7.00%10.18%13.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.83%
Q3 202412.72%
Q4 202411.58%
Q1 202511.90%
Q2 202512.70%
Q3 202513.37%
Q4 202510.99%
Q1 202611.43%
Q2 202611.99%
Delinquent loans (60+ days)
0.15%0.40%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.57%
Q4 20240.56%
Q1 20250.15%
Q2 20250.37%
Q3 20250.37%
Q4 20250.48%
Q1 20260.57%
Q2 20260.56%
Return on assets
0.01%1.40%2.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.21%
Q3 20242.29%
Q4 20240.87%
Q1 20252.23%
Q2 20252.75%
Q3 20252.78%
Q4 20250.01%
Q1 20261.93%
Q2 20262.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$85.8M11.99%0.56%2.36%53.6%
Q1 202683$84.7M11.43%0.57%1.93%52.4%
Q4 202568$84.3M10.99%0.48%0.01%51.6%
Q3 202592$82.1M13.37%0.37%2.78%54.8%
Q2 202590$81.8M12.70%0.37%2.75%54.1%
Q1 202589$81.6M11.90%0.15%2.23%54.2%
Q4 202476$80.0M11.58%0.56%0.87%53.5%
Q3 202488$77.9M12.72%0.57%2.29%55.4%
Q2 202485$79.9M11.83%0.64%2.21%54.1%

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 ratio11.99%
32nd
Problem loans0.56%
56th
Net charge-offs0.05%
63rd
Return on assets2.36%
97th
Loans to deposits53.6%
58th
Uninsured deposits3.4%
33rd
Loan-loss reserves0.00%
37th
Texas ratio2.2%
50th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest Financial Federal Credit UnionCredit union Farmers Branch, TX72 out of 100, Strong$85.3M15.2%0.95%vs
Postel Family Credit UnionCredit union Wichita Falls, TX71 out of 100, Strong$85.2M11.1%0.33%vs
U. S. Employees Credit UnionCredit union Tomball, TX74 out of 100, Strong$86.4M10.4%0.20%vs
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
City Federal Credit UnionCredit union Amarillo, TX61 out of 100, Moderate$84.3M16.3%1.59%vs
Memorial Credit UnionCredit union Houston, TX62 out of 100, Moderate$84.2M11.1%0.66%vs

Deposit insurance

Is my money safe at Irving City Employees Federal Credit Union?

Yes. Irving City Employees Federal Credit Union is a federally insured credit union (NCUA charter #24481). 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 3.4% of shares and deposits ($2.5M) 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 11.99%, 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

Irving City Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Irving City Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
24481
RSSD ID
876791
Primary regulator
NCUA
Established
1961
Headquarters
1408 W Pioneer Dr, Irving, TX 75061
Employees
10

Quick answers

Irving City Employees Federal Credit Union: common questions

Is Irving City Employees Federal Credit Union NCUA insured?

Yes. Irving City Employees Federal Credit Union is a federally insured credit union (NCUA charter #24481). 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 Irving City Employees 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 Irving City Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Irving

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs