TellerScore

Oak Farms Employees Credit Union is a federally insured state-chartered credit union headquartered in Houston, Texas, in business for about 73 years. At the end of Q2 2026 it reported $4.2M in total assets and $3.1M in member shares and deposits, with 2 offices across 2 states.

Oak Farms Employees Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 355th. Capital cushion contributes the most (100/100, 26.84%); loan quality contributes the least (0/100, 3.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.84%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.19%
Earnings1/100
Return on assets (annualized): -0.47%
Funding & liquidity75/100
Loans ÷ shares: 85.6% · 3.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.13%

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 18 points (68 → 50), mostly because the earnings component weakened by 59 points.

TellerScore
496274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202474
Q4 202464
Q1 202567
Q2 202568
Q3 202558
Q4 202554
Q1 202649
Q2 202650
Net worth ratio
7.00%17.93%28.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202428.37%
Q3 202426.33%
Q4 202426.44%
Q1 202526.09%
Q2 202525.87%
Q3 202528.86%
Q4 202527.61%
Q1 202627.29%
Q2 202626.84%
Delinquent loans (60+ days)
1.62%3.74%5.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.15%
Q3 20241.62%
Q4 20242.45%
Q1 20252.13%
Q2 20252.25%
Q3 20252.73%
Q4 20255.53%
Q1 20265.85%
Q2 20263.19%
Return on assets
-0.47%0.42%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.23%
Q4 20240.89%
Q1 20250.86%
Q2 20251.00%
Q3 20250.50%
Q4 20250.22%
Q1 2026-0.47%
Q2 2026-0.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$4.2M26.84%3.19%-0.47%85.6%
Q1 202649$4.2M27.29%5.85%-0.47%86.2%
Q4 202554$4.2M27.61%5.53%0.22%89.2%
Q3 202558$4.0M28.86%2.73%0.50%97.8%
Q2 202568$4.5M25.87%2.25%1.00%87.1%
Q1 202567$4.4M26.09%2.13%0.86%96.0%
Q4 202464$4.3M26.44%2.45%0.89%95.1%
Q3 202474$4.3M26.33%1.62%1.23%97.2%
Q2 202468$4.0M28.37%2.15%1.31%108.1%

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 ratio26.84%
92nd
Problem loans3.19%
12th
Net charge-offs0.15%
52nd
Return on assets-0.47%
11th
Loans to deposits85.6%
14th
Uninsured deposits3.8%
29th
Loan-loss reserves1.71%
88th
Texas ratio7.1%
21st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 9 Credit UnionCredit union Waco, TX86 out of 100, Very strong$4.2M26.4%0.51%vs
Intercorp Credit UnionCredit union Amarillo, TX60 out of 100, Moderate$4.2M18.6%2.86%vs
Thd District 17 Credit UnionCredit union Bryan, TX63 out of 100, Moderate$4.3M19.6%2.42%vs
Covenant Savings Federal Credit UnionCredit union Killeen, TX72 out of 100, Strong$4.2M12.5%1.69%vs
Belton Federal Credit UnionCredit union Belton, TX51 out of 100, Below average$4.3M14.3%4.41%vs
Midwestern State University Credit UnionCredit union Wichita Falls, TX76 out of 100, Strong$4.3M16.3%0.47%vs

Deposit insurance

Is my money safe at Oak Farms Employees Credit Union?

Yes. Oak Farms Employees Credit Union is a federally insured credit union (NCUA charter #67624). 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 3.8% of shares and deposits ($118K) 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 26.84%, 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

Oak Farms Employees Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oak Farms Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67624
RSSD ID
839693
Primary regulator
State + NCUA
Established
1953
Headquarters
Po Box 1270, Houston, TX 77251
Employees
2

Quick answers

Oak Farms Employees Credit Union: common questions

Is Oak Farms Employees Credit Union NCUA insured?

Yes. Oak Farms Employees Credit Union is a federally insured credit union (NCUA charter #67624). 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 Farms Employees Credit Union's TellerScore?

50 out of 100 (Below average), 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 Farms Employees Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Houston

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs