TellerScore

Lifetime Federal Credit Union is a federal credit union headquartered in Richardson, Texas, in business for about 77 years. At the end of Q2 2026 it reported $55.2M in total assets and $45.0M in member shares and deposits.

Lifetime Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 228th. Capital cushion contributes the most (100/100, 18.45%); earnings contributes the least (28/100, 0.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.45%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.91%
Earnings28/100
Return on assets (annualized): 0.20%
Funding & liquidity100/100
Loans ÷ shares: 57.6% · 4.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.87%

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 6 points (75 → 69), mostly because the loan quality component weakened by 34 points.

TellerScore
697377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202577
Q2 202575
Q3 202572
Q4 202572
Q1 202675
Q2 202669
Net worth ratio
7.00%12.83%18.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.02%
Q3 202418.54%
Q4 202418.66%
Q1 202518.28%
Q2 202518.10%
Q3 202518.34%
Q4 202518.51%
Q1 202618.32%
Q2 202618.45%
Delinquent loans (60+ days)
0.60%1.25%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.72%
Q4 20240.77%
Q1 20250.60%
Q2 20250.89%
Q3 20251.19%
Q4 20251.36%
Q1 20261.23%
Q2 20261.91%
Return on assets
-0.31%-0.05%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.31%
Q3 2024-0.23%
Q4 2024-0.17%
Q1 2025-0.20%
Q2 2025-0.09%
Q3 2025-0.09%
Q4 2025-0.02%
Q1 20260.22%
Q2 20260.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$55.2M18.45%1.91%0.20%57.6%
Q1 202675$57.0M18.32%1.23%0.22%56.0%
Q4 202572$54.7M18.51%1.36%-0.02%60.5%
Q3 202572$55.8M18.34%1.19%-0.09%61.4%
Q2 202575$56.4M18.10%0.89%-0.09%62.6%
Q1 202577$57.4M18.28%0.60%-0.20%61.3%
Q4 202474$54.7M18.66%0.77%-0.17%68.3%
Q3 202475$55.4M18.54%0.72%-0.23%67.8%
Q2 202475$57.0M18.02%0.61%-0.31%66.8%

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 ratio18.45%
71st
Problem loans1.91%
22nd
Net charge-offs0.88%
16th
Return on assets0.20%
27th
Loans to deposits57.6%
52nd
Uninsured deposits4.5%
24th
Loan-loss reserves0.00%
37th
Texas ratio4.9%
30th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
Baptist Credit UnionCredit union San Antonio, TX63 out of 100, Moderate$54.7M8.7%0.15%vs
Heart O' Texas Federal Credit UnionCredit union Waco, TX49 out of 100, Below average$54.6M7.4%0.86%vs
Walker County Federal Credit UnionCredit union Huntsville, TX85 out of 100, Very strong$54.3M16.5%0.57%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs
Select Federal Credit UnionCredit union San Antonio, TX70 out of 100, Strong$57.7M15.1%0.83%vs

Deposit insurance

Is my money safe at Lifetime Federal Credit Union?

Yes. Lifetime Federal Credit Union is a federally insured credit union (NCUA charter #6012). 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 4.5% of shares and deposits ($2.0M) 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 18.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Lifetime Federal Credit Union
Type
Federal credit union
NCUA charter #
6012
RSSD ID
385378
Primary regulator
NCUA
Established
1949
Headquarters
P.O. Box 833937, Richardson, TX 75083
Employees
11

Quick answers

Lifetime Federal Credit Union: common questions

Is Lifetime Federal Credit Union NCUA insured?

Yes. Lifetime Federal Credit Union is a federally insured credit union (NCUA charter #6012). 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 Lifetime 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.