Pampa Municipal Credit Union is a federally insured state-chartered credit union headquartered in Pampa, Texas, in business for about 73 years. At the end of Q2 2026 it reported $5.4M in total assets and $4.6M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Pampa Municipal Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 237th. Its strongest component is capital cushion (91/100; 14.08%), and its lowest is loan quality (46/100; 1.63%).
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 20 points (88 → 68), mostly because the earnings component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 90 |
| Q2 2025 | 88 |
| Q3 2025 | 73 |
| Q4 2025 | 56 |
| Q1 2026 | 76 |
| Q2 2026 | 68 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.92% |
| Q3 2024 | 13.12% |
| Q4 2024 | 13.25% |
| Q1 2025 | 13.78% |
| Q2 2025 | 14.25% |
| Q3 2025 | 14.20% |
| Q4 2025 | 13.91% |
| Q1 2026 | 14.02% |
| Q2 2026 | 14.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.98% |
| Q4 2024 | 1.06% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.32% |
| Q3 2025 | 1.58% |
| Q4 2025 | 2.83% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 1.78% |
| Q4 2024 | 1.53% |
| Q1 2025 | 2.71% |
| Q2 2025 | 2.18% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.60% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $5.4M | 14.08% | 1.63% | 0.88% | 90.9% |
| Q1 2026 | 76 | $5.4M | 14.02% | 1.37% | 1.60% | 91.9% |
| Q4 2025 | 56 | $5.3M | 13.91% | 2.83% | 1.01% | 97.7% |
| Q3 2025 | 73 | $5.2M | 14.20% | 1.58% | 1.55% | 102.5% |
| Q2 2025 | 88 | $5.2M | 14.25% | 0.32% | 2.18% | 104.8% |
| Q1 2025 | 90 | $5.2M | 13.78% | 0.06% | 2.71% | 99.4% |
| Q4 2024 | 75 | $5.1M | 13.25% | 1.06% | 1.53% | 99.6% |
| Q3 2024 | 78 | $5.1M | 13.12% | 0.98% | 1.78% | 96.1% |
| Q2 2024 | 86 | $5.1M | 12.92% | 0.22% | 2.09% | 98.4% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Redeemer Federal Credit UnionCredit union Plano, TX | 59 out of 100, Moderate | $5.4M | 27.5% | 2.75% | vs |
| Frio County Federal Credit UnionCredit union Pearsall, TX | 67 out of 100, Moderate | $5.3M | 37.4% | 0.63% | vs |
| S.T.E.C. Federal Credit UnionCredit union Nursery, TX | 79 out of 100, Strong | $5.5M | 30.9% | 0.44% | vs |
| Farmers Branch City Employees Federal Credit UnionCredit union Farmers Branch, TX | 57 out of 100, Moderate | $5.2M | 19.9% | 6.74% | vs |
| South Texas Regional Federal Credit UnionCredit union Laredo, TX | 83 out of 100, Strong | $5.7M | 15.5% | 0.15% | vs |
Deposit insurance
Is my money safe at Pampa Municipal Credit Union?
Yes. Pampa Municipal Credit Union is a federally insured credit union (NCUA charter #67621). 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 14.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Pampa Municipal Credit Union lists 1 office in 1 city. Most locations:
- Pampa, TX (1)
Identity & history
Profile
- Legal name
- Pampa Municipal Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67621
- RSSD ID
- 1223516
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- P.O.Box 1259, Pampa, TX 79066
- Employees
- 3
Quick answers
Pampa Municipal Credit Union: common questions
Is Pampa Municipal Credit Union NCUA insured?
Yes. Pampa Municipal Credit Union is a federally insured credit union (NCUA charter #67621). 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 Pampa Municipal Credit Union's TellerScore?
68 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 Pampa Municipal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pampa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pantex Federal Credit UnionCredit union Borger, TX | 90 out of 100, Very strong | $233.4M | 22.3% | 0.69% | vs |
| Cabot Community Credit UnionCredit union Pampa, TX | 84 out of 100, Strong | $45.3M | 15.9% | 1.16% | vs |
| Skel-Tex Credit UnionCredit union Skellytown, TX | 83 out of 100, Strong | $6.2M | 21.5% | 0.64% | vs |
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Lefors Federal Credit UnionCredit union Lefors, TX | 75 out of 100, Strong | $3.0M | 23.2% | 1.12% | vs |