Liberty County Teachers Federal Credit Union is a federal credit union headquartered in Liberty, Texas, in business for about 66 years. At the end of Q2 2026 it reported $23.8M in total assets and $19.5M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Liberty County Teachers Federal Credit Union scores 97/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 8th. Its strongest component is capital cushion (100/100; 17.13%), and its lowest is funding & liquidity (80/100; 81% loans-to-deposits, 1% uninsured).
TellerScore · Q2 2026
Scorecard
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 (96 → 97).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 94 |
| Q4 2024 | 97 |
| Q1 2025 | 90 |
| Q2 2025 | 96 |
| Q3 2025 | 96 |
| Q4 2025 | 97 |
| Q1 2026 | 91 |
| Q2 2026 | 97 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.49% |
| Q3 2024 | 13.55% |
| Q4 2024 | 14.25% |
| Q1 2025 | 14.02% |
| Q2 2025 | 14.86% |
| Q3 2025 | 15.69% |
| Q4 2025 | 15.93% |
| Q1 2026 | 16.88% |
| Q2 2026 | 17.13% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.23% |
| Q3 2024 | 2.26% |
| Q4 2024 | 2.38% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.97% |
| Q3 2025 | 2.23% |
| Q4 2025 | 2.11% |
| Q1 2026 | 2.69% |
| Q2 2026 | 2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $23.8M | 17.13% | 0.03% | 2.15% | 80.7% |
| Q1 2026 | 91 | $23.6M | 16.88% | 0.54% | 2.69% | 85.7% |
| Q4 2025 | 97 | $24.0M | 15.93% | 0.03% | 2.11% | 80.4% |
| Q3 2025 | 96 | $23.6M | 15.69% | 0.00% | 2.23% | 85.1% |
| Q2 2025 | 96 | $23.9M | 14.86% | 0.13% | 1.97% | 76.7% |
| Q1 2025 | 90 | $24.3M | 14.02% | 0.01% | 1.47% | 77.4% |
| Q4 2024 | 97 | $23.3M | 14.25% | 0.00% | 2.38% | 66.2% |
| Q3 2024 | 94 | $23.3M | 13.55% | 0.08% | 2.26% | 66.5% |
| Q2 2024 | 92 | $24.3M | 12.49% | 0.03% | 2.23% | 63.3% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bayou City Federal Credit UnionCredit union Houston, TX | 54 out of 100, Below average | $23.8M | 10.1% | 1.85% | vs |
| Temple Santa Fe Community Credit UnionCredit union Temple, TX | 61 out of 100, Moderate | $24.0M | 8.1% | 0.42% | vs |
| Texas People Federal Credit UnionCredit union Fort Worth, TX | 73 out of 100, Strong | $24.3M | 18.0% | 0.31% | vs |
| First Priority Credit UnionCredit union Abilene, TX | 74 out of 100, Strong | $23.0M | 11.7% | 1.24% | vs |
| Mopac Employees Federal Credit UnionCredit union Palestine, TX | 61 out of 100, Moderate | $22.4M | 9.7% | 0.34% | vs |
| Grand Prairie Credit UnionCredit union Grand Prairie, TX | 81 out of 100, Strong | $25.2M | 11.6% | 0.05% | vs |
Deposit insurance
Is my money safe at Liberty County Teachers Federal Credit Union?
Yes. Liberty County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14052). 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 0.6% of shares and deposits ($109K) 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 17.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Liberty County Teachers Federal Credit Union lists 2 offices in 1 city. Most locations:
- Liberty, TX (2)
Identity & history
Profile
- Legal name
- Liberty County Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14052
- RSSD ID
- 455084
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- 3712 North Main Street, Liberty, TX 77575
- Employees
- 7
Quick answers
Liberty County Teachers Federal Credit Union: common questions
Is Liberty County Teachers Federal Credit Union NCUA insured?
Yes. Liberty County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14052). 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 Liberty County Teachers Federal Credit Union's TellerScore?
97 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 Liberty County Teachers Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Liberty
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Common Cents Federal Credit UnionCredit union Beaumont, TX | 87 out of 100, Very strong | $34.2M | 12.1% | 0.30% | vs |
| Eastex Credit UnionCredit union Evadale, TX | 81 out of 100, Strong | $131.7M | 11.5% | 0.16% | vs |
| Texas First BankBank Texas City, TX | 75 out of 100, Strong | $2.3B | 10.0% | 0.17% | vs |
| Community Resource Credit UnionCredit union Baytown, TX | 75 out of 100, Strong | $929.5M | 11.0% | 0.47% | vs |
| Southside BankBank Tyler, TX | 75 out of 100, Strong | $8.8B | 11.4% | 0.19% | vs |