TellerScore

Headquartered in Waco, Texas, McLennan County Employees Federal Credit Union is a federal credit union with $21.6M in total assets and $15.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, McLennan County Employees Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 79th. Its strongest component is capital cushion (100/100; 25.62%), and its lowest is earnings (26/100; 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.62%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity100/100
Loans ÷ shares: 41.3% · 1.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.02%

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 5 points (80 → 85), mostly because the earnings component improved by 11 points.

TellerScore
808488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202484
Q4 202483
Q1 202588
Q2 202580
Q3 202584
Q4 202584
Q1 202684
Q2 202685
Net worth ratio
7.00%16.82%26.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.53%
Q3 202425.73%
Q4 202426.03%
Q1 202525.86%
Q2 202526.11%
Q3 202526.12%
Q4 202526.21%
Q1 202626.64%
Q2 202625.62%
Delinquent loans (60+ days)
0.00%0.15%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.00%
Q4 20240.05%
Q1 20250.08%
Q2 20250.30%
Q3 20250.00%
Q4 20250.02%
Q1 20260.10%
Q2 20260.02%
Return on assets
-0.13%0.21%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.04%
Q3 20240.04%
Q4 2024-0.06%
Q1 20250.55%
Q2 2025-0.13%
Q3 2025-0.05%
Q4 20250.01%
Q1 20260.13%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$21.6M25.62%0.02%0.16%41.3%
Q1 202684$20.7M26.64%0.10%0.13%45.9%
Q4 202584$21.0M26.21%0.02%0.01%46.3%
Q3 202584$21.0M26.12%0.00%-0.05%46.2%
Q2 202580$21.0M26.11%0.30%-0.13%40.9%
Q1 202588$21.2M25.86%0.08%0.55%38.7%
Q4 202483$21.1M26.03%0.05%-0.06%39.4%
Q3 202484$21.5M25.73%0.00%0.04%39.0%
Q2 202481$22.5M24.53%0.28%-0.04%36.4%

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 ratio25.62%
90th
Problem loans0.02%
86th
Net charge-offs0.22%
45th
Return on assets0.16%
26th
Loans to deposits41.3%
77th
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
McMurrey Federal Credit UnionCredit union Tyler, TX76 out of 100, Strong$22.0M15.1%0.78%vs
Northeast Panhandle Teachers Federal Credit UnionCredit union Perryton, TX81 out of 100, Strong$22.0M21.4%0.79%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
Alba-Golden Federal Credit UnionCredit union Alba, TX90 out of 100, Very strong$22.2M16.8%0.01%vs
Mopac Employees Federal Credit UnionCredit union Palestine, TX61 out of 100, Moderate$22.4M9.7%0.34%vs
Waco Federal Credit UnionCredit union Waco, TX64 out of 100, Moderate$20.3M10.2%1.43%vs

Deposit insurance

Is my money safe at McLennan County Employees Federal Credit Union?

Yes. McLennan County Employees Federal Credit Union is a federally insured credit union (NCUA charter #10461). 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 ($298K) 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 25.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

McLennan County Employees Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
McLennan County Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
10461
RSSD ID
178383
Primary regulator
NCUA
Established
1955
Headquarters
215 N 5th St Ste 224, Waco, TX 76701
Employees
5

Quick answers

McLennan County Employees Federal Credit Union: common questions

Is McLennan County Employees Federal Credit Union NCUA insured?

Yes. McLennan County Employees Federal Credit Union is a federally insured credit union (NCUA charter #10461). 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 McLennan County Employees Federal Credit Union's TellerScore?

85 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 McLennan County Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs