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.

From Q2 2025 to Q2 2026, the score rose 3 points (90 → 93), mostly because the earnings component improved by 11 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Texas

Yes. Neches Federal Credit Union is a federally insured credit union (NCUA charter #7916). 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 10.7% of shares and deposits ($112.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 14.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Neches Federal Credit Union lists 6 offices in 3 cities. Most locations:

• Beaumont, TX (2)
• Nederland, TX (2)
• Port Neches, TX (2)

All branch addresses and map

In 2025, Neches Federal Credit Union reported 588 home-loan applications under HMDA (LEI 549300J6A8R0TUC01239): 501 originated ($79,785,000 total), 54 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Neches Federal Credit Union

Type

Federal credit union

NCUA charter #

7916

RSSD ID

542180

Primary regulator

NCUA

Established

1952

Headquarters

PO Box 1118, Port Neches, TX 77651

Employees

241