TellerScore

Headquartered in Borger, Texas, Pantex Federal Credit Union is a federal credit union with $233.4M in total assets and $183.3M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1940.

Based on its Q2 2026 filing, Pantex Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 95% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 38th. Its strongest component is capital cushion (100/100; 22.25%), and its lowest is loan quality (77/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.25%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity100/100
Loans ÷ shares: 34.8% · 7.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.10%

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 rose 3 points (87 → 90), mostly because the earnings component improved by 17 points.

TellerScore
828690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202482
Q1 202586
Q2 202587
Q3 202587
Q4 202588
Q1 202690
Q2 202690
Net worth ratio
7.00%14.63%22.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.66%
Q3 202420.07%
Q4 202420.52%
Q1 202520.09%
Q2 202520.57%
Q3 202520.77%
Q4 202521.23%
Q1 202621.36%
Q2 202622.25%
Delinquent loans (60+ days)
0.61%0.74%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.75%
Q4 20240.88%
Q1 20250.63%
Q2 20250.65%
Q3 20250.77%
Q4 20250.71%
Q1 20260.81%
Q2 20260.69%
Return on assets
0.50%1.04%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.61%
Q4 20240.73%
Q1 20250.93%
Q2 20251.10%
Q3 20251.25%
Q4 20251.27%
Q1 20261.57%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$233.4M22.25%0.69%1.53%34.8%
Q1 202690$239.2M21.36%0.81%1.57%34.0%
Q4 202588$236.2M21.23%0.71%1.27%35.5%
Q3 202587$237.9M20.77%0.77%1.25%35.1%
Q2 202587$235.6M20.57%0.65%1.10%35.5%
Q1 202586$237.7M20.09%0.63%0.93%33.3%
Q4 202482$229.9M20.52%0.88%0.73%34.5%
Q3 202483$232.2M20.07%0.75%0.61%34.8%
Q2 202483$234.6M19.66%0.61%0.50%34.2%

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 ratio22.25%
98th
Problem loans0.69%
49th
Net charge-offs0.50%
35th
Return on assets1.53%
89th
Loans to deposits34.8%
98th
Uninsured deposits7.1%
39th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Capitol Credit UnionCredit union Austin, TX71 out of 100, Strong$233.9M12.0%0.20%vs
Sabine Federal Credit UnionCredit union Orange, TX69 out of 100, Moderate$235.3M12.3%0.79%vs
Westex Community Credit UnionCredit union Kermit, TX94 out of 100, Very strong$231.4M15.4%0.63%vs
The People'S Federal Credit UnionCredit union Amarillo, TX58 out of 100, Moderate$229.0M9.1%1.15%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs

Deposit insurance

Is my money safe at Pantex Federal Credit Union?

Yes. Pantex Federal Credit Union is a federally insured credit union (NCUA charter #3571). 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 7.1% of shares and deposits ($12.9M) 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 22.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Pantex Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pantex Federal Credit Union
Type
Federal credit union
NCUA charter #
3571
RSSD ID
435675
Primary regulator
NCUA
Established
1940
Headquarters
PO Box 5206, Borger, TX 79008
Employees
41

Quick answers

Pantex Federal Credit Union: common questions

Is Pantex Federal Credit Union NCUA insured?

Yes. Pantex Federal Credit Union is a federally insured credit union (NCUA charter #3571). 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 Pantex Federal Credit Union's TellerScore?

90 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 Pantex Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Borger

InstitutionScoreAssetsCapitalProblem loansCompare
Skel-Tex Credit UnionCredit union Skellytown, TX83 out of 100, Strong$6.2M21.5%0.64%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs
Education Credit UnionCredit union Amarillo, TX70 out of 100, Strong$469.2M12.6%0.64%vs
Amarillo National BankBank Amarillo, TX62 out of 100, Moderate$10.4B10.7%1.54%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs