TellerScore

Northeast Panhandle Teachers Federal Credit Union (NCUA charter #19171) is based in Perryton, Texas. Its Q2 2026 call report shows $22.0M in total assets and $17.3M in member shares and deposits and 2 offices across 2 states.

Northeast Panhandle Teachers Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 114th. Capital cushion contributes the most (100/100, 21.42%); earnings contributes the least (52/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.42%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity84/100
Loans ÷ shares: 76.4% · 1.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.21%

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 fell 5 points (86 → 81), mostly because the earnings component weakened by 12 points.

TellerScore
818691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202487
Q4 202487
Q1 202591
Q2 202586
Q3 202587
Q4 202587
Q1 202686
Q2 202681
Net worth ratio
7.00%14.21%21.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.65%
Q3 202420.17%
Q4 202420.58%
Q1 202520.84%
Q2 202520.88%
Q3 202521.15%
Q4 202521.20%
Q1 202621.36%
Q2 202621.42%
Delinquent loans (60+ days)
0.00%0.39%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.00%
Q4 20240.24%
Q1 20250.00%
Q2 20250.53%
Q3 20250.11%
Q4 20250.16%
Q1 20260.27%
Q2 20260.79%
Return on assets
0.60%0.86%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.75%
Q4 20240.84%
Q1 20251.12%
Q2 20251.10%
Q3 20250.84%
Q4 20250.84%
Q1 20260.88%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$22.0M21.42%0.79%0.80%76.4%
Q1 202686$21.9M21.36%0.27%0.88%75.9%
Q4 202587$21.8M21.20%0.16%0.84%75.9%
Q3 202587$21.6M21.15%0.11%0.84%75.8%
Q2 202586$21.8M20.88%0.53%1.10%72.4%
Q1 202591$21.6M20.84%0.00%1.12%74.2%
Q4 202487$21.6M20.58%0.24%0.84%74.0%
Q3 202487$21.7M20.17%0.00%0.75%77.2%
Q2 202484$22.0M19.65%0.30%0.60%77.4%

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 ratio21.42%
81st
Problem loans0.79%
47th
Net charge-offs0.04%
64th
Return on assets0.80%
58th
Loans to deposits76.4%
24th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio2.2%
50th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
McMurrey Federal Credit UnionCredit union Tyler, TX76 out of 100, Strong$22.0M15.1%0.78%vs
Alba-Golden Federal Credit UnionCredit union Alba, TX90 out of 100, Very strong$22.2M16.8%0.01%vs
McLennan County Employees Federal Credit UnionCredit union Waco, TX85 out of 100, Very strong$21.6M25.6%0.02%vs
Mopac Employees Federal Credit UnionCredit union Palestine, TX61 out of 100, Moderate$22.4M9.7%0.34%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
First Priority Credit UnionCredit union Abilene, TX74 out of 100, Strong$23.0M11.7%1.24%vs

Deposit insurance

Is my money safe at Northeast Panhandle Teachers Federal Credit Union?

Yes. Northeast Panhandle Teachers Federal Credit Union is a federally insured credit union (NCUA charter #19171). 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 1.2% of shares and deposits ($203K) 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 21.42%, well 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

Northeast Panhandle Teachers Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northeast Panhandle Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
19171
RSSD ID
1007387
Primary regulator
NCUA
Established
1969
Headquarters
PO Box 118, Perryton, TX 79070
Employees
4

Quick answers

Northeast Panhandle Teachers Federal Credit Union: common questions

Is Northeast Panhandle Teachers Federal Credit Union NCUA insured?

Yes. Northeast Panhandle Teachers Federal Credit Union is a federally insured credit union (NCUA charter #19171). 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 Northeast Panhandle Teachers Federal Credit Union's TellerScore?

81 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 Northeast Panhandle Teachers Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Perryton

InstitutionScoreAssetsCapitalProblem loansCompare
The Perryton National BankBank Perryton, TX88 out of 100, Very strong$212.7M16.4%0.36%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
Panhandle First BankBank Guymon, OK56 out of 100, Moderate$568.7M13.0%2.34%vs
Interstate BankBank Perryton, TX40 out of 100, Below average$288.4M9.4%3.47%vs
SNB Bank, National AssociationBank Shattuck, OK36 out of 100, Low$129.4M11.8%6.18%vs