TellerScore

Matagorda County Credit Union is a federally insured state-chartered credit union headquartered in Bay City, Texas, in business for about 65 years. At the end of Q2 2026 it reported $36.2M in total assets and $29.9M in member shares and deposits, with 3 offices.

Matagorda County Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 21st. Capital cushion contributes the most (100/100, 17.39%); earnings contributes the least (82/100, 1.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.39%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings82/100
Return on assets (annualized): 1.55%
Funding & liquidity100/100
Loans ÷ shares: 57.0% · 0.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.84%

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 5 points (99 → 94), mostly because the earnings component weakened by 14 points.

TellerScore
949799Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202496
Q4 202495
Q1 202598
Q2 202599
Q3 202599
Q4 202598
Q1 202695
Q2 202694
Net worth ratio
7.00%12.20%17.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.45%
Q3 202415.16%
Q4 202415.55%
Q1 202515.49%
Q2 202515.95%
Q3 202516.34%
Q4 202516.83%
Q1 202616.74%
Q2 202617.39%
Delinquent loans (60+ days)
0.02%0.24%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.39%
Q4 20240.47%
Q1 20250.02%
Q2 20250.02%
Q3 20250.05%
Q4 20250.14%
Q1 20260.06%
Q2 20260.31%
Return on assets
1.47%1.71%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.95%
Q4 20241.89%
Q1 20251.72%
Q2 20251.90%
Q3 20251.96%
Q4 20251.92%
Q1 20261.47%
Q2 20261.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$36.2M17.39%0.31%1.55%57.0%
Q1 202695$36.7M16.74%0.06%1.47%57.1%
Q4 202598$35.7M16.83%0.14%1.92%58.8%
Q3 202599$35.8M16.34%0.05%1.96%55.8%
Q2 202599$35.5M15.95%0.02%1.90%53.1%
Q1 202598$35.4M15.49%0.02%1.72%54.7%
Q4 202495$34.3M15.55%0.47%1.89%56.2%
Q3 202496$34.2M15.16%0.39%1.95%53.9%
Q2 202494$34.2M14.45%0.06%1.55%53.5%

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 ratio17.39%
67th
Problem loans0.31%
68th
Net charge-offs0.04%
63rd
Return on assets1.55%
86th
Loans to deposits57.0%
53rd
Uninsured deposits0.8%
56th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
68th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Mid-Tex Federal Credit UnionCredit union Brownwood, TX65 out of 100, Moderate$36.4M9.2%0.90%vs
Wichita Falls Federal Credit UnionCredit union Wichita Falls, TX76 out of 100, Strong$36.1M11.8%0.32%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs
Brazos Star Credit UnionCredit union College Station, TX88 out of 100, Very strong$35.5M15.1%0.40%vs
Golden Triangle Federal Credit UnionCredit union Groves, TX79 out of 100, Strong$37.9M18.6%0.63%vs
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs

Deposit insurance

Is my money safe at Matagorda County Credit Union?

Yes. Matagorda County Credit Union is a federally insured credit union (NCUA charter #67545). 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 0.8% of shares and deposits ($246K) 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 17.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Matagorda County Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Matagorda County Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67545
RSSD ID
492696
Primary regulator
State + NCUA
Established
1961
Headquarters
3700 Avenue F, Bay City, TX 77414
Employees
8

Quick answers

Matagorda County Credit Union: common questions

Is Matagorda County Credit Union NCUA insured?

Yes. Matagorda County Credit Union is a federally insured credit union (NCUA charter #67545). 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 Matagorda County Credit Union's TellerScore?

94 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 Matagorda County Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bay City

InstitutionScoreAssetsCapitalProblem loansCompare
Old Ocean Federal Credit UnionCredit union Sweeny, TX98 out of 100, Very strong$41.6M20.5%0.24%vs
Baycel Federal Credit UnionCredit union Bay City, TX91 out of 100, Very strong$92.2M21.8%1.01%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Texas Gulf Bank, National AssociationBank Houston, TX76 out of 100, Strong$726.9M12.0%0.00%vs