TellerScore

Marshall T & P Employees Federal Credit Union (NCUA charter #5686) is based in Marshall, Texas. Its Q2 2026 call report shows $17.4M in total assets and $14.1M in member shares and deposits and 1 office.

Marshall T & P Employees Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 117th. Capital cushion contributes the most (100/100, 17.89%); earnings contributes the least (62/100, 1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.89%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity84/100
Loans ÷ shares: 76.4% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.62%

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 2 points (79 → 81), mostly because the funding & liquidity component improved by 5 points.

TellerScore
728087Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202475
Q4 202472
Q1 202580
Q2 202579
Q3 202586
Q4 202581
Q1 202681
Q2 202681
Net worth ratio
7.00%14.12%21.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.96%
Q3 202421.24%
Q4 202419.28%
Q1 202518.61%
Q2 202518.83%
Q3 202519.00%
Q4 202518.19%
Q1 202617.85%
Q2 202617.89%
Delinquent loans (60+ days)
0.15%0.84%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20241.54%
Q4 20241.23%
Q1 20250.93%
Q2 20251.05%
Q3 20250.50%
Q4 20250.50%
Q1 20261.02%
Q2 20261.04%
Return on assets
0.38%0.80%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.21%
Q4 20240.38%
Q1 20250.92%
Q2 20250.97%
Q3 20251.17%
Q4 20250.47%
Q1 20261.00%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$17.4M17.89%1.04%1.06%76.4%
Q1 202681$17.1M17.85%1.02%1.00%75.7%
Q4 202581$16.6M18.19%0.50%0.47%77.6%
Q3 202586$16.2M19.00%0.50%1.17%81.6%
Q2 202579$16.1M18.83%1.05%0.97%80.9%
Q1 202580$16.0M18.61%0.93%0.92%81.3%
Q4 202472$15.2M19.28%1.23%0.38%86.0%
Q3 202475$14.2M21.24%1.54%1.21%95.4%
Q2 202487$14.2M20.96%0.15%1.19%93.1%

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 ratio17.89%
69th
Problem loans1.04%
38th
Net charge-offs0.49%
28th
Return on assets1.06%
70th
Loans to deposits76.4%
24th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.6%
38th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
Southern Star Credit UnionCredit union Houston, TX57 out of 100, Moderate$17.7M13.2%1.87%vs
Cowboy Country Federal Credit UnionCredit union Premont, TX46 out of 100, Below average$16.8M14.8%6.70%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs

Deposit insurance

Is my money safe at Marshall T & P Employees Federal Credit Union?

Yes. Marshall T & P Employees Federal Credit Union is a federally insured credit union (NCUA charter #5686). 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 0.0% of shares and deposits ($0) 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 17.89%, 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

Marshall T & P Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Marshall T & P Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
5686
RSSD ID
810478
Primary regulator
NCUA
Established
1948
Headquarters
Po Box 697, Marshall, TX 75671
Employees
3

Quick answers

Marshall T & P Employees Federal Credit Union: common questions

Is Marshall T & P Employees Federal Credit Union NCUA insured?

Yes. Marshall T & P Employees Federal Credit Union is a federally insured credit union (NCUA charter #5686). 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 Marshall T & P Employees Federal Credit Union's TellerScore?

81 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 Marshall T & P Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Marshall

InstitutionScoreAssetsCapitalProblem loansCompare
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%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
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
Spring Hill State BankBank Longview, TX79 out of 100, Strong$238.5M16.7%0.94%vs
Texas Bank and Trust CompanyBank Longview, TX75 out of 100, Strong$4.3B13.1%0.61%vs