TellerScore

Morris Sheppard Texarkana Federal Credit Union (NCUA charter #1) is based in Texarkana, Texas. Its Q2 2026 call report shows $13.2M in total assets and $11.7M in member shares and deposits and 2 offices.

Morris Sheppard Texarkana Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 162nd. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (65/100, 1.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.64%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity81/100
Loans ÷ shares: 79.1% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.72%

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 9 points (67 → 76), mostly because the earnings component improved by 32 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202472
Q4 202467
Q1 202567
Q2 202567
Q3 202573
Q4 202569
Q1 202673
Q2 202676
Net worth ratio
7.00%9.55%12.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.11%
Q3 202411.93%
Q4 202411.65%
Q1 202511.16%
Q2 202511.22%
Q3 202511.42%
Q4 202511.01%
Q1 202611.21%
Q2 202611.64%
Delinquent loans (60+ days)
0.09%0.49%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.47%
Q4 20240.89%
Q1 20250.15%
Q2 20250.54%
Q3 20250.40%
Q4 20250.69%
Q1 20260.51%
Q2 20260.45%
Return on assets
-0.12%0.50%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.76%
Q4 20240.71%
Q1 2025-0.12%
Q2 20250.33%
Q3 20250.72%
Q4 20250.67%
Q1 20260.95%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$13.2M11.64%0.45%1.12%79.1%
Q1 202673$13.4M11.21%0.51%0.95%76.9%
Q4 202569$13.3M11.01%0.69%0.67%73.8%
Q3 202573$12.7M11.42%0.40%0.72%78.5%
Q2 202567$12.7M11.22%0.54%0.33%79.5%
Q1 202567$12.6M11.16%0.15%-0.12%81.7%
Q4 202467$11.8M11.65%0.89%0.71%87.6%
Q3 202472$11.4M11.93%0.47%0.76%88.9%
Q2 202477$11.1M12.11%0.09%0.88%90.4%

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 ratio11.64%
29th
Problem loans0.45%
60th
Net charge-offs0.25%
43rd
Return on assets1.12%
72nd
Loans to deposits79.1%
21st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.7%
44th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Scurry County School Federal Credit UnionCredit union Snyder, TX71 out of 100, Strong$13.2M13.9%0.53%vs
Swemp Federal Credit UnionCredit union Texarkana, TX75 out of 100, Strong$12.9M19.5%1.04%vs
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Central Texas Teachers Credit UnionCredit union Corsicana, TX77 out of 100, Strong$13.7M15.9%0.00%vs
Cherokee County Teachers Federal Credit UnionCredit union Rusk, TX56 out of 100, Moderate$13.9M20.0%2.13%vs

Deposit insurance

Is my money safe at Morris Sheppard Texarkana Federal Credit Union?

Yes. Morris Sheppard Texarkana Federal Credit Union is a federally insured credit union (NCUA charter #1). 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 11.64%, 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

Morris Sheppard Texarkana Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Morris Sheppard Texarkana Federal Credit Union
Type
Federal credit union
NCUA charter #
1
RSSD ID
50377
Primary regulator
NCUA
Established
1934
Headquarters
419 W 4th St, Texarkana, TX 75501
Employees
3

Quick answers

Morris Sheppard Texarkana Federal Credit Union: common questions

Is Morris Sheppard Texarkana Federal Credit Union NCUA insured?

Yes. Morris Sheppard Texarkana Federal Credit Union is a federally insured credit union (NCUA charter #1). 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 Morris Sheppard Texarkana Federal Credit Union's TellerScore?

76 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 Morris Sheppard Texarkana Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Texarkana

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs