TellerScore

Pecu Credit Union (NCUA charter #67428) is based in Austin, Texas. Its Q2 2026 call report shows $431.4M in total assets and $368.7M in member shares and deposits and 5 offices.

Pecu Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 61st. Funding & liquidity contributes the most (100/100, 61% loans-to-deposits, 11% uninsured); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.78%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity100/100
Loans ÷ shares: 60.6% · 10.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.83%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).

TellerScore
848688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202486
Q4 202485
Q1 202585
Q2 202585
Q3 202588
Q4 202586
Q1 202685
Q2 202686
Net worth ratio
7.00%10.89%14.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.85%
Q3 202413.11%
Q4 202413.24%
Q1 202513.29%
Q2 202513.79%
Q3 202513.98%
Q4 202514.14%
Q1 202614.31%
Q2 202614.78%
Delinquent loans (60+ days)
0.29%0.41%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.29%
Q4 20240.47%
Q1 20250.38%
Q2 20250.47%
Q3 20250.29%
Q4 20250.44%
Q1 20260.52%
Q2 20260.47%
Return on assets
0.92%1.11%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.31%
Q4 20241.30%
Q1 20251.16%
Q2 20251.21%
Q3 20251.23%
Q4 20251.14%
Q1 20260.95%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$431.4M14.78%0.47%0.92%60.6%
Q1 202685$439.1M14.31%0.52%0.95%58.6%
Q4 202586$437.3M14.14%0.44%1.14%59.8%
Q3 202588$435.4M13.98%0.29%1.23%61.5%
Q2 202585$431.1M13.79%0.47%1.21%62.2%
Q1 202585$437.1M13.29%0.38%1.16%59.5%
Q4 202485$429.8M13.24%0.47%1.30%59.3%
Q3 202486$423.0M13.11%0.29%1.31%61.1%
Q2 202484$419.7M12.85%0.32%1.27%61.9%

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 ratio14.78%
84th
Problem loans0.47%
68th
Net charge-offs0.45%
40th
Return on assets0.92%
62nd
Loans to deposits60.6%
77th
Uninsured deposits10.9%
14th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
America'S Credit UnionCredit union Garland, TX76 out of 100, Strong$427.6M15.0%0.59%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
1st Community Federal Credit UnionCredit union San Angelo, TX58 out of 100, Moderate$421.8M13.6%3.73%vs
McT Credit UnionCredit union Port Neches, TX69 out of 100, Moderate$415.2M10.1%0.29%vs
Texas Tech Federal Credit UnionCredit union Lubbock, TX69 out of 100, Moderate$450.8M10.7%0.42%vs
Houston Texas Fire Fighters Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$401.3M14.0%0.38%vs

Deposit insurance

Is my money safe at Pecu Credit Union?

Yes. Pecu Credit Union is a federally insured credit union (NCUA charter #67428). 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 10.9% of shares and deposits ($40.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.78%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Pecu Credit Union lists 5 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pecu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67428
RSSD ID
572093
Primary regulator
State + NCUA
Established
1952
Headquarters
PO Box 2205, Austin, TX 78768
Employees
69

Quick answers

Pecu Credit Union: common questions

Is Pecu Credit Union NCUA insured?

Yes. Pecu Credit Union is a federally insured credit union (NCUA charter #67428). 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 Pecu Credit Union's TellerScore?

86 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 Pecu Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs