TellerScore

Headquartered in Pharr, Texas, Naft Federal Credit Union is a federal credit union with $162.3M in total assets and $135.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1956.

Naft Federal Credit Union has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 25th. Capital cushion contributes the most (100/100, 16.44%); loan quality contributes the least (83/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.44%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity100/100
Loans ÷ shares: 51.3% · 1.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.30%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 93).

TellerScore
909396Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202493
Q4 202493
Q1 202595
Q2 202594
Q3 202594
Q4 202596
Q1 202694
Q2 202693
Net worth ratio
7.00%12.05%17.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.85%
Q3 202416.33%
Q4 202416.83%
Q1 202516.56%
Q2 202516.09%
Q3 202516.52%
Q4 202517.11%
Q1 202617.04%
Q2 202616.44%
Delinquent loans (60+ days)
0.32%0.51%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.47%
Q4 20240.57%
Q1 20250.32%
Q2 20250.55%
Q3 20250.48%
Q4 20250.43%
Q1 20260.36%
Q2 20260.50%
Return on assets
1.54%1.71%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.70%
Q4 20241.74%
Q1 20251.74%
Q2 20251.79%
Q3 20251.82%
Q4 20251.89%
Q1 20261.69%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$162.3M16.44%0.50%1.73%51.3%
Q1 202694$152.1M17.04%0.36%1.69%53.3%
Q4 202596$147.7M17.11%0.43%1.89%57.0%
Q3 202594$148.4M16.52%0.48%1.82%53.3%
Q2 202594$148.0M16.09%0.55%1.79%51.9%
Q1 202595$139.5M16.56%0.32%1.74%51.4%
Q4 202493$133.6M16.83%0.57%1.74%55.7%
Q3 202493$133.9M16.33%0.47%1.70%54.2%
Q2 202490$133.7M15.85%0.70%1.54%52.2%

1,341 peers · $100 million – $1 billion

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 ratio16.44%
91st
Problem loans0.50%
64th
Net charge-offs0.24%
65th
Return on assets1.73%
94th
Loans to deposits51.3%
89th
Uninsured deposits1.3%
94th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
86th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Communities of Abilene Federal Credit UnionCredit union Abilene, TX72 out of 100, Strong$161.1M10.9%0.23%vs
Community Service Credit UnionCredit union Huntsville, TX59 out of 100, Moderate$163.8M9.4%0.82%vs
Chocolate Bayou Community Federal Credit UnionCredit union Alvin, TX77 out of 100, Strong$158.1M12.9%0.77%vs
Kerr County Federal Credit UnionCredit union Kerrville, TX67 out of 100, Moderate$156.2M12.1%1.17%vs
4u Federal Credit UnionCredit union Gainesville, TX63 out of 100, Moderate$156.2M8.9%0.04%vs
Libertyone Credit UnionCredit union Arlington, TX60 out of 100, Moderate$175.5M11.2%1.32%vs

Deposit insurance

Is my money safe at Naft Federal Credit Union?

Yes. Naft Federal Credit Union is a federally insured credit union (NCUA charter #10994). 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 1.3% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.44%, 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

Naft Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Naft Federal Credit Union
Type
Federal credit union
NCUA charter #
10994
RSSD ID
811587
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 771, Pharr, TX 78577
Employees
39

Quick answers

Naft Federal Credit Union: common questions

Is Naft Federal Credit Union NCUA insured?

Yes. Naft Federal Credit Union is a federally insured credit union (NCUA charter #10994). 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 Naft Federal Credit Union's TellerScore?

93 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 Naft Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pharr

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs