TellerScore

My Credit Union is a federally insured state-chartered credit union headquartered in Haslet, Texas, in business for about 51 years. At the end of Q2 2026 it reported $58.2M in total assets and $50.4M in member shares and deposits, with 6 offices.

Based on its Q2 2026 filing, My Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 180th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 1% uninsured), and its lowest is earnings (51/100; 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.78%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.02%
Earnings51/100
Return on assets (annualized): 0.76%
Funding & liquidity100/100
Loans ÷ shares: 58.1% · 1.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.00%

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 6 points (68 → 74), mostly because the loan quality component improved by 24 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202478
Q4 202477
Q1 202575
Q2 202568
Q3 202577
Q4 202579
Q1 202674
Q2 202674
Net worth ratio
7.00%9.89%12.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.34%
Q3 202410.85%
Q4 202411.27%
Q1 202511.25%
Q2 202511.54%
Q3 202511.62%
Q4 202512.00%
Q1 202612.32%
Q2 202612.78%
Delinquent loans (60+ days)
0.35%1.05%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.55%
Q4 20240.83%
Q1 20250.94%
Q2 20251.74%
Q3 20250.50%
Q4 20250.36%
Q1 20260.35%
Q2 20261.02%
Return on assets
0.21%0.83%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.40%
Q4 20241.45%
Q1 20251.38%
Q2 20251.35%
Q3 20250.95%
Q4 20250.93%
Q1 20260.21%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$58.2M12.78%1.02%0.76%58.1%
Q1 202674$58.9M12.32%0.35%0.21%57.3%
Q4 202579$55.2M12.00%0.36%0.93%60.8%
Q3 202577$56.1M11.62%0.50%0.95%60.4%
Q2 202568$56.3M11.54%1.74%1.35%59.5%
Q1 202575$56.1M11.25%0.94%1.38%58.9%
Q4 202477$54.3M11.27%0.83%1.45%60.0%
Q3 202478$54.4M10.85%0.55%1.40%59.1%
Q2 202474$54.9M10.34%0.66%1.23%57.5%

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 ratio12.78%
38th
Problem loans1.02%
39th
Net charge-offs0.08%
59th
Return on assets0.76%
56th
Loans to deposits58.1%
51st
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio4.0%
35th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Select Federal Credit UnionCredit union San Antonio, TX70 out of 100, Strong$57.7M15.1%0.83%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
Lifetime Federal Credit UnionCredit union Richardson, TX69 out of 100, Moderate$55.2M18.4%1.91%vs
Baptist Credit UnionCredit union San Antonio, TX63 out of 100, Moderate$54.7M8.7%0.15%vs
Heart O' Texas Federal Credit UnionCredit union Waco, TX49 out of 100, Below average$54.6M7.4%0.86%vs

Deposit insurance

Is my money safe at My Credit Union?

Yes. My Credit Union is a federally insured credit union (NCUA charter #68545). 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 1.1% of shares and deposits ($550K) 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 12.78%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

My Credit Union lists 6 offices in 6 cities. Most locations:

  • Canton, TX (1)
  • Crowley, TX (1)
  • Euless, TX (1)
  • Haslet, TX (1)
  • Mineola, TX (1)
  • Mineral Wells, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
My Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68545
RSSD ID
904984
Primary regulator
State + NCUA
Established
1975
Headquarters
13016 Highway 287, Haslet, TX 76052
Employees
23

Quick answers

My Credit Union: common questions

Is My Credit Union NCUA insured?

Yes. My Credit Union is a federally insured credit union (NCUA charter #68545). 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 My Credit Union's TellerScore?

74 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 My Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Haslet

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
Charles Schwab Trust BankBank Westlake, TX88 out of 100, Very strong$10.5B10.9%0.00%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs