TellerScore

Headquartered in Odessa, Texas, Odessa Employees Credit Union is a federally insured state-chartered credit union with $21.0M in total assets and $17.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1953.

Odessa Employees Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 45th. Capital cushion contributes the most (100/100, 16.15%); earnings contributes the least (46/100, 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.15%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity100/100
Loans ÷ shares: 60.7% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 3 points (92 → 89), mostly because the earnings component weakened by 13 points.

TellerScore
889193Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202488
Q4 202488
Q1 202589
Q2 202592
Q3 202592
Q4 202591
Q1 202688
Q2 202689
Net worth ratio
7.00%11.72%16.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.42%
Q3 202415.51%
Q4 202415.96%
Q1 202515.66%
Q2 202516.14%
Q3 202516.44%
Q4 202516.41%
Q1 202615.81%
Q2 202616.15%
Delinquent loans (60+ days)
0.00%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.48%
Q4 20240.47%
Q1 20250.35%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.47%0.78%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.08%
Q4 20241.05%
Q1 20251.03%
Q2 20250.99%
Q3 20250.97%
Q4 20250.93%
Q1 20260.47%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$21.0M16.15%0.00%0.65%60.7%
Q1 202688$21.1M15.81%0.00%0.47%59.3%
Q4 202591$20.2M16.41%0.00%0.93%62.0%
Q3 202592$20.0M16.44%0.00%0.97%59.5%
Q2 202592$20.1M16.14%0.00%0.99%56.4%
Q1 202589$20.4M15.66%0.35%1.03%54.4%
Q4 202488$19.7M15.96%0.47%1.05%57.2%
Q3 202488$20.0M15.51%0.48%1.08%57.9%
Q2 202493$19.8M15.42%0.00%1.09%60.2%

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 ratio16.15%
61st
Problem loans0.00%
94th
Net charge-offs-0.00%
86th
Return on assets0.65%
50th
Loans to deposits60.7%
47th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
McLennan County Employees Federal Credit UnionCredit union Waco, TX85 out of 100, Very strong$21.6M25.6%0.02%vs
Waco Federal Credit UnionCredit union Waco, TX64 out of 100, Moderate$20.3M10.2%1.43%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Port Arthur Community Federal Credit UnionCredit union Port Arthur, TX66 out of 100, Moderate$20.2M12.2%0.38%vs
Temple-Inland Federal Credit UnionCredit union Diboll, TX86 out of 100, Very strong$20.1M18.3%0.68%vs
McMurrey Federal Credit UnionCredit union Tyler, TX76 out of 100, Strong$22.0M15.1%0.78%vs

Deposit insurance

Is my money safe at Odessa Employees Credit Union?

Yes. Odessa Employees Credit Union is a federally insured credit union (NCUA charter #67534). 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 0.0% of shares and deposits ($0) 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 16.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Odessa Employees Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Odessa Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67534
RSSD ID
662798
Primary regulator
State + NCUA
Established
1953
Headquarters
1006 E 7th St, Odessa, TX 79761
Employees
5

Quick answers

Odessa Employees Credit Union: common questions

Is Odessa Employees Credit Union NCUA insured?

Yes. Odessa Employees Credit Union is a federally insured credit union (NCUA charter #67534). 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 Odessa Employees Credit Union's TellerScore?

89 out of 100 (Very 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 Odessa Employees Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Odessa

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs
Txdot Credit UnionCredit union Abilene, TX81 out of 100, Strong$18.2M17.2%0.54%vs