TellerScore

Headquartered in Pampa, Texas, Pampa Teachers Federal Credit Union is a federal credit union with $10.7M in total assets and $9.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

Based on its Q2 2026 filing, Pampa Teachers Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 338th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is earnings (0/100; -1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.67%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings0/100
Return on assets (annualized): -1.03%
Funding & liquidity82/100
Loans ÷ shares: 78.4% · 1.3% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.05%

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 (58 → 54), mostly because the capital cushion component weakened by 16 points.

TellerScore
516171Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202465
Q4 202460
Q1 202553
Q2 202558
Q3 202556
Q4 202551
Q1 202659
Q2 202654
Net worth ratio
7.00%9.07%11.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.03%
Q3 202410.57%
Q4 202411.15%
Q1 202510.40%
Q2 202510.31%
Q3 202510.36%
Q4 202510.70%
Q1 20269.39%
Q2 20268.67%
Delinquent loans (60+ days)
0.18%0.84%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.37%
Q4 20240.83%
Q1 20251.08%
Q2 20250.59%
Q3 20250.85%
Q4 20251.49%
Q1 20260.23%
Q2 20260.43%
Return on assets
-6.68%-3.05%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.03%
Q4 2024-0.08%
Q1 2025-3.53%
Q2 2025-2.23%
Q3 2025-2.02%
Q4 2025-1.34%
Q1 2026-6.68%
Q2 2026-1.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$10.7M8.67%0.43%-1.03%78.4%
Q1 202659$10.8M9.39%0.23%-6.68%70.8%
Q4 202551$11.2M10.70%1.49%-1.34%71.5%
Q3 202556$11.3M10.36%0.85%-2.02%72.7%
Q2 202558$11.8M10.31%0.59%-2.23%75.2%
Q1 202553$12.0M10.40%1.08%-3.53%79.6%
Q4 202460$12.1M11.15%0.83%-0.08%83.7%
Q3 202465$12.9M10.57%0.37%0.03%80.1%
Q2 202471$12.6M11.03%0.18%0.58%84.7%

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 ratio8.67%
8th
Problem loans0.43%
61st
Net charge-offs2.71%
4th
Return on assets-1.03%
7th
Loans to deposits78.4%
21st
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio6.1%
24th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Olive Baptist Church Federal Credit UnionCredit union Arlington, TX53 out of 100, Below average$10.7M16.9%2.84%vs
Methodist Hospital Employees Federal Credit UnionCredit union Dallas, TX62 out of 100, Moderate$10.7M13.8%4.54%vs
Texarkana Terminal Employees Federal Credit UnionCredit union Texarkana, TX63 out of 100, Moderate$10.9M10.0%1.15%vs
Ila 28 Federal Credit UnionCredit union Pasadena, TX89 out of 100, Very strong$10.5M21.6%0.00%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
Hale County Teachers Federal Credit UnionCredit union Plainview, TX69 out of 100, Moderate$11.1M10.4%0.00%vs

Deposit insurance

Is my money safe at Pampa Teachers Federal Credit Union?

Yes. Pampa Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2046). 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 1.3% of shares and deposits ($125K) 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 8.67%, slightly 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

Pampa Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pampa Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
2046
RSSD ID
207573
Primary regulator
NCUA
Established
1937
Headquarters
P.O. Box 920, Pampa, TX 79066
Employees
7

Quick answers

Pampa Teachers Federal Credit Union: common questions

Is Pampa Teachers Federal Credit Union NCUA insured?

Yes. Pampa Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2046). 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 Teachers Federal Credit Union's TellerScore?

54 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 Pampa Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pampa

InstitutionScoreAssetsCapitalProblem loansCompare
Pantex Federal Credit UnionCredit union Borger, TX90 out of 100, Very strong$233.4M22.3%0.69%vs
Cabot Community Credit UnionCredit union Pampa, TX84 out of 100, Strong$45.3M15.9%1.16%vs
Skel-Tex Credit UnionCredit union Skellytown, TX83 out of 100, Strong$6.2M21.5%0.64%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Lefors Federal Credit UnionCredit union Lefors, TX75 out of 100, Strong$3.0M23.2%1.12%vs