Headquartered in Waco, Texas, Linkage Credit Union is a federally insured state-chartered credit union with $18.2M in total assets and $14.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1931.
Based on its Q2 2026 filing, Linkage Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 191st. Its strongest component is capital cushion (100/100; 17.92%), and its lowest is earnings (23/100; 0.07%).
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
From Q2 2025 to Q2 2026, the score fell 8 points (81 → 73), mostly because the loan quality component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 83 |
| Q4 2024 | 81 |
| Q1 2025 | 76 |
| Q2 2025 | 81 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 77 |
| Q2 2026 | 73 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.76% |
| Q3 2024 | 17.32% |
| Q4 2024 | 18.28% |
| Q1 2025 | 17.88% |
| Q2 2025 | 18.06% |
| Q3 2025 | 17.96% |
| Q4 2025 | 18.17% |
| Q1 2026 | 18.08% |
| Q2 2026 | 17.92% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.29% |
| Q2 2026 | 1.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.50% |
| Q1 2025 | -0.09% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.27% |
| Q1 2026 | -0.40% |
| Q2 2026 | 0.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $18.2M | 17.92% | 1.27% | 0.07% | 64.6% |
| Q1 2026 | 77 | $17.9M | 18.08% | 0.29% | -0.40% | 66.1% |
| Q4 2025 | 79 | $17.9M | 18.17% | 0.71% | 0.27% | 66.6% |
| Q3 2025 | 79 | $17.9M | 17.96% | 0.58% | 0.16% | 67.8% |
| Q2 2025 | 81 | $17.8M | 18.06% | 0.39% | 0.18% | 69.4% |
| Q1 2025 | 76 | $17.9M | 17.88% | 0.61% | -0.09% | 70.4% |
| Q4 2024 | 81 | $17.5M | 18.28% | 0.62% | 0.50% | 72.6% |
| Q3 2024 | 83 | $18.3M | 17.32% | 0.24% | 0.38% | 70.2% |
| Q2 2024 | 80 | $18.7M | 16.76% | 0.46% | 0.15% | 69.0% |
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 |
|---|---|---|---|---|---|
| Txdot Credit UnionCredit union Abilene, TX | 81 out of 100, Strong | $18.2M | 17.2% | 0.54% | vs |
| Victoria Teachers Federal Credit UnionCredit union Victoria, TX | 88 out of 100, Very strong | $18.0M | 33.0% | 0.08% | vs |
| 1st University Credit UnionCredit union Waco, TX | 65 out of 100, Moderate | $18.5M | 10.0% | 0.41% | vs |
| Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX | 97 out of 100, Very strong | $18.5M | 20.1% | 0.00% | vs |
| Southern Star Credit UnionCredit union Houston, TX | 57 out of 100, Moderate | $17.7M | 13.2% | 1.87% | vs |
| Marshall T & P Employees Federal Credit UnionCredit union Marshall, TX | 81 out of 100, Strong | $17.4M | 17.9% | 1.04% | vs |
Deposit insurance
Is my money safe at Linkage Credit Union?
Yes. Linkage Credit Union is a federally insured credit union (NCUA charter #67519). 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 1.6% of shares and deposits ($239K) 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 17.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Linkage Credit Union lists 1 office in 1 city. Most locations:
- Waco, TX (1)
Identity & history
Profile
- Legal name
- Linkage Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67519
- RSSD ID
- 977090
- Primary regulator
- State + NCUA
- Established
- 1931
- Headquarters
- 4527 Speight Ave, Waco, TX 76711
- Employees
- 5
Quick answers
Linkage Credit Union: common questions
Is Linkage Credit Union NCUA insured?
Yes. Linkage Credit Union is a federally insured credit union (NCUA charter #67519). 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 Linkage Credit Union's TellerScore?
73 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 Linkage Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Waco
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educators Credit UnionCredit union Waco, TX | 99 out of 100, Very strong | $609.5M | 20.3% | 0.17% | vs |
| Genco Federal Credit UnionCredit union Waco, TX | 96 out of 100, Very strong | $494.7M | 14.3% | 0.19% | vs |
| Matagorda County Credit UnionCredit union Bay City, TX | 94 out of 100, Very strong | $36.2M | 17.4% | 0.31% | vs |
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
| Community Bank & Trust, Waco, TexasBank Waco, TX | 90 out of 100, Very strong | $649.1M | 15.5% | 0.21% | vs |