TellerScore

Headquartered in Dallas, Texas, Neighborhood Credit Union is a federally insured state-chartered credit union with $1.1B in total assets and $998.1M in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1930.

Based on its Q2 2026 filing, Neighborhood Credit Union scores 59/100, which we describe as moderate. That is higher than only 22% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 298th. Its strongest component is funding & liquidity (83/100; 78% loans-to-deposits, 8% uninsured), and its lowest is earnings (46/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.76%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.54%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity83/100
Loans ÷ shares: 77.5% · 7.8% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.45%

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 (58 → 59).

TellerScore
575859Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202457
Q4 202457
Q1 202558
Q2 202558
Q3 202559
Q4 202559
Q1 202659
Q2 202659
Net worth ratio
7.00%8.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.33%
Q3 20249.85%
Q4 202410.34%
Q1 202510.01%
Q2 202510.21%
Q3 202510.49%
Q4 202510.63%
Q1 202610.52%
Q2 202610.76%
Delinquent loans (60+ days)
0.94%1.24%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.18%
Q3 20241.22%
Q4 20241.33%
Q1 20250.94%
Q2 20251.16%
Q3 20251.32%
Q4 20251.38%
Q1 20261.54%
Q2 20261.54%
Return on assets
0.16%0.42%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.44%
Q4 20240.38%
Q1 20250.16%
Q2 20250.26%
Q3 20250.51%
Q4 20250.54%
Q1 20260.69%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.1B10.76%1.54%0.66%77.5%
Q1 202659$1.1B10.52%1.54%0.69%76.9%
Q4 202559$1.1B10.63%1.38%0.54%77.7%
Q3 202559$1.1B10.49%1.32%0.51%78.5%
Q2 202558$1.1B10.21%1.16%0.26%77.7%
Q1 202558$1.1B10.01%0.94%0.16%78.1%
Q4 202457$1.1B10.34%1.33%0.38%81.0%
Q3 202457$1.2B9.85%1.22%0.44%82.2%
Q2 202459$1.1B10.33%1.18%0.49%82.1%

454 peers · $1 billion – $10 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 ratio10.76%
46th
Problem loans1.54%
8th
Net charge-offs1.13%
8th
Return on assets0.66%
34th
Loans to deposits77.5%
76th
Uninsured deposits7.8%
65th
Loan-loss reserves0.00%
50th
Texas ratio11.4%
11th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance Credit UnionCredit union Lubbock, TX62 out of 100, Moderate$1.1B10.9%1.07%vs
Fivepoint Credit UnionCredit union Nederland, TX57 out of 100, Moderate$1.1B8.8%0.76%vs
Raiz Federal Credit UnionCredit union El Paso, TX62 out of 100, Moderate$1.1B10.2%0.95%vs
Velocity Credit UnionCredit union Austin, TX76 out of 100, Strong$1.1B13.9%0.57%vs
Brazos Valley Schools Credit UnionCredit union Katy, TX68 out of 100, Moderate$1.0B10.6%1.32%vs
Rave Financial Credit UnionCredit union Beaumont, TX71 out of 100, Strong$1.2B12.8%0.57%vs

Deposit insurance

Is my money safe at Neighborhood Credit Union?

Yes. Neighborhood Credit Union is a federally insured credit union (NCUA charter #67681). 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 7.8% of shares and deposits ($77.5M) 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 10.76%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Neighborhood Credit Union lists 14 offices in 12 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Neighborhood Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67681
RSSD ID
688396
Primary regulator
State + NCUA
Established
1930
Headquarters
PO Box 803476, Dallas, TX 75380
Employees
197

Quick answers

Neighborhood Credit Union: common questions

Is Neighborhood Credit Union NCUA insured?

Yes. Neighborhood Credit Union is a federally insured credit union (NCUA charter #67681). 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 Neighborhood Credit Union's TellerScore?

59 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 Neighborhood Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dallas

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs