TellerScore

Headquartered in El Paso, Texas, One Source Federal Credit Union is a federal credit union with $124.0M in total assets and $110.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

One Source Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 270th. Problem-loan coverage contributes the most (96/100, 1.8%); earnings contributes the least (2/100, -0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.29%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings2/100
Return on assets (annualized): -0.44%
Funding & liquidity95/100
Loans ÷ shares: 65.4% · 6.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.84%

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 4 points (67 → 63), mostly because the earnings component weakened by 24 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202465
Q1 202564
Q2 202567
Q3 202562
Q4 202562
Q1 202664
Q2 202663
Net worth ratio
7.00%8.75%10.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.18%
Q3 202410.43%
Q4 202410.44%
Q1 202510.45%
Q2 202510.49%
Q3 202510.50%
Q4 202510.42%
Q1 202610.35%
Q2 202610.29%
Delinquent loans (60+ days)
0.27%0.58%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.73%
Q4 20240.89%
Q1 20250.52%
Q2 20250.32%
Q3 20250.74%
Q4 20250.83%
Q1 20260.37%
Q2 20260.27%
Return on assets
-0.44%0.14%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.61%
Q4 20240.58%
Q1 20250.04%
Q2 20250.14%
Q3 20250.08%
Q4 20250.08%
Q1 2026-0.27%
Q2 2026-0.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$124.0M10.29%0.27%-0.44%65.4%
Q1 202664$125.1M10.35%0.37%-0.27%64.7%
Q4 202562$125.1M10.42%0.83%0.08%67.8%
Q3 202562$124.0M10.50%0.74%0.08%70.0%
Q2 202567$124.3M10.49%0.32%0.14%70.0%
Q1 202564$124.1M10.45%0.52%0.04%71.3%
Q4 202465$124.1M10.44%0.89%0.58%69.2%
Q3 202467$123.0M10.43%0.73%0.61%67.0%
Q2 202469$124.9M10.18%0.63%0.72%64.6%

1,341 peers · $100 million – $1 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 ratio10.29%
33rd
Problem loans0.27%
84th
Net charge-offs1.52%
3rd
Return on assets-0.44%
2nd
Loans to deposits65.4%
69th
Uninsured deposits6.4%
45th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Telco Plus Credit UnionCredit union Longview, TX54 out of 100, Below average$124.3M9.3%0.31%vs
Tarrant County'S Credit UnionCredit union Fort Worth, TX53 out of 100, Below average$123.7M9.6%0.80%vs
Bp Federal Credit UnionCredit union Houston, TX69 out of 100, Moderate$124.4M14.0%0.81%vs
United Community Credit UnionCredit union Houston, TX69 out of 100, Moderate$127.9M12.0%1.05%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
Valley Federal Credit UnionCredit union Brownsville, TX73 out of 100, Strong$119.1M12.6%0.46%vs

Deposit insurance

Is my money safe at One Source Federal Credit Union?

Yes. One Source Federal Credit Union is a federally insured credit union (NCUA charter #2115). 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 6.4% of shares and deposits ($7.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

One Source Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
One Source Federal Credit Union
Type
Federal credit union
NCUA charter #
2115
RSSD ID
93374
Primary regulator
NCUA
Established
1937
Headquarters
8870 Gazelle Dr, El Paso, TX 79925
Employees
34

Quick answers

One Source Federal Credit Union: common questions

Is One Source Federal Credit Union NCUA insured?

Yes. One Source Federal Credit Union is a federally insured credit union (NCUA charter #2115). 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 One Source Federal Credit Union's TellerScore?

63 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 One Source Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near El Paso

InstitutionScoreAssetsCapitalProblem loansCompare
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Mountain Star Federal Credit UnionCredit union El Paso, TX83 out of 100, Strong$46.5M18.4%0.70%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs
WestStar BankBank El Paso, TX80 out of 100, Strong$3.3B12.3%0.00%vs