TellerScore

Headquartered in Dallas, Texas, Lone Star Credit Union is a federally insured state-chartered credit union with $188.3M in total assets and $169.8M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1967.

Lone Star Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 257th. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (39/100, 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.93%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings39/100
Return on assets (annualized): 0.49%
Funding & liquidity88/100
Loans ÷ shares: 72.0% · 7.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.09%

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 (61 → 65), mostly because the earnings component improved by 9 points.

TellerScore
596265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202462
Q4 202460
Q1 202563
Q2 202561
Q3 202562
Q4 202559
Q1 202663
Q2 202665
Net worth ratio
7.00%8.15%9.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.96%
Q3 20249.30%
Q4 20248.98%
Q1 20258.55%
Q2 20258.66%
Q3 20258.59%
Q4 20258.64%
Q1 20268.68%
Q2 20268.93%
Delinquent loans (60+ days)
0.20%0.45%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.52%
Q4 20240.70%
Q1 20250.24%
Q2 20250.41%
Q3 20250.34%
Q4 20250.57%
Q1 20260.20%
Q2 20260.25%
Return on assets
0.22%0.35%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.30%
Q3 20240.33%
Q4 20240.44%
Q1 20250.24%
Q2 20250.25%
Q3 20250.23%
Q4 20250.22%
Q1 20260.25%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$188.3M8.93%0.25%0.49%72.0%
Q1 202663$189.9M8.68%0.20%0.25%71.4%
Q4 202559$189.2M8.64%0.57%0.22%73.7%
Q3 202562$190.1M8.59%0.34%0.23%71.6%
Q2 202561$187.6M8.66%0.41%0.25%73.4%
Q1 202563$188.5M8.55%0.24%0.24%72.5%
Q4 202460$178.3M8.98%0.70%0.44%77.4%
Q3 202462$168.9M9.30%0.52%0.33%79.3%
Q2 202460$173.5M8.96%0.59%0.30%78.0%

1,341 peers · $100 million – $1 billion

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 ratio8.93%
13th
Problem loans0.25%
86th
Net charge-offs0.80%
16th
Return on assets0.49%
29th
Loans to deposits72.0%
57th
Uninsured deposits7.9%
30th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
75th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Government Employees Federal Credit UnionCredit union Austin, TX72 out of 100, Strong$189.4M10.7%0.83%vs
Kelly Community Federal Credit UnionCredit union Tyler, TX75 out of 100, Strong$189.4M12.6%0.82%vs
Priority Trust Credit UnionCredit union Houston, TX60 out of 100, Moderate$191.4M9.4%0.39%vs
First Central Credit UnionCredit union Waco, TX76 out of 100, Strong$191.7M16.4%1.95%vs
Chemcel Federal Credit UnionCredit union Bishop, TX74 out of 100, Strong$184.0M12.1%0.75%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs

Deposit insurance

Is my money safe at Lone Star Credit Union?

Yes. Lone Star Credit Union is a federally insured credit union (NCUA charter #68449). 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 7.9% of shares and deposits ($13.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.93%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Lone Star Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lone Star Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68449
RSSD ID
546188
Primary regulator
State + NCUA
Established
1967
Headquarters
7508 Ferguson Rd, Dallas, TX 75228
Employees
37

Quick answers

Lone Star Credit Union: common questions

Is Lone Star Credit Union NCUA insured?

Yes. Lone Star Credit Union is a federally insured credit union (NCUA charter #68449). 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 Lone Star Credit Union's TellerScore?

65 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.

How many branches does Lone Star Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dallas

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
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs