TellerScore

Headquartered in Palestine, Texas, Mopac Employees Federal Credit Union is a federal credit union with $22.4M in total assets and $19.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.

Mopac Employees Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 288th. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.66%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity64/100
Loans ÷ shares: 96.1% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.10%

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 3 points (58 → 61), mostly because the loan quality component improved by 17 points.

TellerScore
586164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202461
Q4 202460
Q1 202558
Q2 202558
Q3 202563
Q4 202560
Q1 202658
Q2 202661
Net worth ratio
7.00%8.58%10.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.31%
Q3 20249.38%
Q4 20249.22%
Q1 20259.48%
Q2 20259.57%
Q3 202510.16%
Q4 20259.69%
Q1 20269.56%
Q2 20269.66%
Delinquent loans (60+ days)
0.14%0.56%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.54%
Q4 20240.59%
Q1 20250.98%
Q2 20250.85%
Q3 20250.55%
Q4 20250.65%
Q1 20260.60%
Q2 20260.34%
Return on assets
0.23%0.51%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.60%
Q4 20240.62%
Q1 20250.80%
Q2 20250.66%
Q3 20250.62%
Q4 20250.63%
Q1 20260.25%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$22.4M9.66%0.34%0.23%96.1%
Q1 202658$22.5M9.56%0.60%0.25%93.4%
Q4 202560$22.1M9.69%0.65%0.63%103.0%
Q3 202563$20.9M10.16%0.55%0.62%98.7%
Q2 202558$21.7M9.57%0.85%0.66%101.4%
Q1 202558$21.6M9.48%0.98%0.80%99.0%
Q4 202460$21.7M9.22%0.59%0.62%100.4%
Q3 202461$21.3M9.38%0.54%0.60%94.6%
Q2 202464$21.0M9.31%0.14%0.57%97.1%

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 ratio9.66%
14th
Problem loans0.34%
66th
Net charge-offs0.31%
38th
Return on assets0.23%
28th
Loans to deposits96.1%
5th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.1%
34th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Alba-Golden Federal Credit UnionCredit union Alba, TX90 out of 100, Very strong$22.2M16.8%0.01%vs
Northeast Panhandle Teachers Federal Credit UnionCredit union Perryton, TX81 out of 100, Strong$22.0M21.4%0.79%vs
McMurrey Federal Credit UnionCredit union Tyler, TX76 out of 100, Strong$22.0M15.1%0.78%vs
First Priority Credit UnionCredit union Abilene, TX74 out of 100, Strong$23.0M11.7%1.24%vs
McLennan County Employees Federal Credit UnionCredit union Waco, TX85 out of 100, Very strong$21.6M25.6%0.02%vs
Liberty County Teachers Federal Credit UnionCredit union Liberty, TX97 out of 100, Very strong$23.8M17.1%0.03%vs

Deposit insurance

Is my money safe at Mopac Employees Federal Credit Union?

Yes. Mopac Employees Federal Credit Union is a federally insured credit union (NCUA charter #1129). 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 9.66%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Mopac Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1129
RSSD ID
222576
Primary regulator
NCUA
Established
1936
Headquarters
PO Box 205, Palestine, TX 75802
Employees
7

Quick answers

Mopac Employees Federal Credit Union: common questions

Is Mopac Employees Federal Credit Union NCUA insured?

Yes. Mopac Employees Federal Credit Union is a federally insured credit union (NCUA charter #1129). 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 Mopac Employees Federal Credit Union's TellerScore?

61 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 Mopac Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Palestine

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Anderson County Federal Credit UnionCredit union Palestine, TX78 out of 100, Strong$27.3M17.2%2.32%vs
Cherokee County Federal Credit UnionCredit union Rusk, TX78 out of 100, Strong$44.8M27.3%1.11%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs