Oak Cliff Christian Federal Credit Union is a federal credit union headquartered in Dallas, Texas, in business for about 18 years. At the end of Q2 2026 it reported $7.8M in total assets and $7.2M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Oak Cliff Christian Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 328th. Its strongest component is problem-loan coverage (85/100; 7.4%), and its lowest is capital cushion (22/100; 7.22%).
TellerScore · Q2 2026
Scorecard
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 2 points (58 → 56), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 30 |
| Q3 2024 | 45 |
| Q4 2024 | 37 |
| Q1 2025 | 56 |
| Q2 2025 | 58 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 65 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 6.87% |
| Q3 2024 | 5.55% |
| Q4 2024 | 5.62% |
| Q1 2025 | 5.62% |
| Q2 2025 | 5.86% |
| Q3 2025 | 7.01% |
| Q4 2025 | 6.85% |
| Q1 2026 | 6.93% |
| Q2 2026 | 7.22% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.71% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.95% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.78% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | -2.66% |
| Q4 2024 | -1.60% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.75% |
| Q3 2025 | 2.33% |
| Q4 2025 | 1.87% |
| Q1 2026 | 1.12% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $7.8M | 7.22% | 0.78% | 0.92% | 85.9% |
| Q1 2026 | 65 | $7.9M | 6.93% | 0.00% | 1.12% | 86.5% |
| Q4 2025 | 70 | $7.7M | 6.85% | 0.00% | 1.87% | 87.0% |
| Q3 2025 | 70 | $7.2M | 7.01% | 0.15% | 2.33% | 89.6% |
| Q2 2025 | 58 | $7.0M | 5.86% | 0.00% | 0.75% | 93.3% |
| Q1 2025 | 56 | $7.0M | 5.62% | 0.05% | 0.71% | 92.5% |
| Q4 2024 | 37 | $6.8M | 5.62% | 0.95% | -1.60% | 90.3% |
| Q3 2024 | 45 | $6.5M | 5.55% | 0.06% | -2.66% | 98.0% |
| Q2 2024 | 30 | $7.2M | 6.87% | 2.71% | 0.19% | 85.6% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port of Houston Credit UnionCredit union Houston, TX | 59 out of 100, Moderate | $7.9M | 32.9% | 5.55% | vs |
| Yoakum County Federal Credit UnionCredit union Plains, TX | 84 out of 100, Strong | $8.0M | 24.9% | 0.09% | vs |
| Wharton County Teachers Credit UnionCredit union Wharton, TX | 90 out of 100, Very strong | $7.4M | 28.4% | 0.18% | vs |
| Seminole Public Schools Federal Credit UnionCredit union Seminole, TX | 58 out of 100, Moderate | $7.4M | 22.3% | 4.37% | vs |
| City of Deer Park Federal Credit UnionCredit union Deer Park, TX | 92 out of 100, Very strong | $7.3M | 21.7% | 0.01% | vs |
| Highway District 19 Employees Credit UnionCredit union Atlanta, TX | 73 out of 100, Strong | $7.1M | 20.7% | 0.72% | vs |
Deposit insurance
Is my money safe at Oak Cliff Christian Federal Credit Union?
Yes. Oak Cliff Christian Federal Credit Union is a federally insured credit union (NCUA charter #24804). 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 4.6% of shares and deposits ($336K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.22%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Oak Cliff Christian Federal Credit Union lists 1 office in 1 city. Most locations:
- Dallas, TX (1)
Identity & history
Profile
- Legal name
- Oak Cliff Christian Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24804
- RSSD ID
- 3828401
- Primary regulator
- NCUA
- Established
- 2008
- Headquarters
- 1130 W Camp Wisdom Rd, Dallas, TX 75232
- Employees
- 5
Quick answers
Oak Cliff Christian Federal Credit Union: common questions
Is Oak Cliff Christian Federal Credit Union NCUA insured?
Yes. Oak Cliff Christian Federal Credit Union is a federally insured credit union (NCUA charter #24804). 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 Oak Cliff Christian Federal Credit Union's TellerScore?
56 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 Oak Cliff Christian Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Dallas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX | 97 out of 100, Very strong | $18.5M | 20.1% | 0.00% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |