TellerScore

Lufkin Federal Credit Union (NCUA charter #16351) is based in Lufkin, Texas. Its Q2 2026 call report shows $47.8M in total assets and $34.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Lufkin Federal Credit Union scores 99/100, which we describe as very strong. That is higher than 99% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 5th. Its five components are fairly even, ranging from 95 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.28%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity100/100
Loans ÷ shares: 50.2% · 1.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.19%

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 (98 → 99).

TellerScore
9196100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202498
Q3 202498
Q4 202491
Q1 202598
Q2 202598
Q3 202597
Q4 2025100
Q1 2026100
Q2 202699
Net worth ratio
7.00%16.66%26.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.55%
Q3 202424.84%
Q4 202425.18%
Q1 202525.12%
Q2 202525.49%
Q3 202526.31%
Q4 202526.22%
Q1 202626.29%
Q2 202626.28%
Delinquent loans (60+ days)
0.05%0.56%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.17%
Q4 20241.06%
Q1 20250.21%
Q2 20250.17%
Q3 20250.38%
Q4 20250.05%
Q1 20260.07%
Q2 20260.14%
Return on assets
1.94%2.30%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.58%
Q3 20242.66%
Q4 20242.60%
Q1 20251.94%
Q2 20252.11%
Q3 20252.27%
Q4 20252.18%
Q1 20262.06%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202699$47.8M26.28%0.14%1.98%50.2%
Q1 2026100$46.9M26.29%0.07%2.06%52.8%
Q4 2025100$46.1M26.22%0.05%2.18%54.0%
Q3 202597$45.1M26.31%0.38%2.27%56.1%
Q2 202598$45.4M25.49%0.17%2.11%55.2%
Q1 202598$45.0M25.12%0.21%1.94%55.6%
Q4 202491$44.0M25.18%1.06%2.60%55.7%
Q3 202498$43.5M24.84%0.17%2.66%55.8%
Q2 202498$44.7M23.55%0.25%2.58%53.7%

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 ratio26.28%
91st
Problem loans0.14%
77th
Net charge-offs0.10%
57th
Return on assets1.98%
94th
Loans to deposits50.2%
64th
Uninsured deposits1.9%
45th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
82nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Starr County Teachers Federal Credit UnionCredit union Rio Grande City, TX93 out of 100, Very strong$47.4M16.9%0.51%vs
Houston Highway Credit UnionCredit union Houston, TX64 out of 100, Moderate$48.4M10.9%1.14%vs
Star Financial Credit UnionCredit union Corpus Christi, TX70 out of 100, Strong$48.8M11.0%0.40%vs
Mountain Star Federal Credit UnionCredit union El Paso, TX83 out of 100, Strong$46.5M18.4%0.70%vs
Hockley County Credit UnionCredit union Levelland, TX63 out of 100, Moderate$45.4M9.4%0.65%vs
Cabot Community Credit UnionCredit union Pampa, TX84 out of 100, Strong$45.3M15.9%1.16%vs

Deposit insurance

Is my money safe at Lufkin Federal Credit Union?

Yes. Lufkin Federal Credit Union is a federally insured credit union (NCUA charter #16351). 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 1.9% of shares and deposits ($678K) 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 26.28%, well 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

Lufkin Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lufkin Federal Credit Union
Type
Federal credit union
NCUA charter #
16351
RSSD ID
783282
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 150940, Lufkin, TX 75915
Employees
11

Quick answers

Lufkin Federal Credit Union: common questions

Is Lufkin Federal Credit Union NCUA insured?

Yes. Lufkin Federal Credit Union is a federally insured credit union (NCUA charter #16351). 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 Lufkin Federal Credit Union's TellerScore?

99 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 Lufkin Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lufkin

InstitutionScoreAssetsCapitalProblem loansCompare
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
Aspire Credit UnionCredit union Lufkin, TX94 out of 100, Very strong$38.0M20.5%0.05%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Southland Federal Credit UnionCredit union Lufkin, TX85 out of 100, Very strong$89.2M14.4%0.62%vs
Citizens State BankBank Corrigan, TX83 out of 100, Strong$190.6M12.0%0.50%vs