Plains Federal Credit Union (NCUA charter #12274) is based in Plainview, Texas. Its Q2 2026 call report shows $4.0M in total assets and $3.4M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Plains Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 125th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is earnings (22/100; 0.05%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 77 |
| Q1 2025 | 77 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.04% |
| Q3 2024 | 17.10% |
| Q4 2024 | 17.14% |
| Q1 2025 | 16.91% |
| Q2 2025 | 15.59% |
| Q3 2025 | 15.05% |
| Q4 2025 | 15.90% |
| Q1 2026 | 14.84% |
| Q2 2026 | 14.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.44% |
| Q3 2024 | -0.32% |
| Q4 2024 | -0.21% |
| Q1 2025 | -0.08% |
| Q2 2025 | -0.18% |
| Q3 2025 | -0.13% |
| Q4 2025 | -0.11% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $4.0M | 14.50% | 0.09% | 0.05% | 75.3% |
| Q1 2026 | 81 | $3.9M | 14.84% | 0.06% | 0.08% | 79.3% |
| Q4 2025 | 79 | $3.6M | 15.90% | 0.07% | -0.11% | 84.2% |
| Q3 2025 | 79 | $3.9M | 15.05% | 0.13% | -0.13% | 81.5% |
| Q2 2025 | 79 | $3.7M | 15.59% | 0.10% | -0.18% | 80.0% |
| Q1 2025 | 77 | $3.5M | 16.91% | 0.06% | -0.08% | 99.1% |
| Q4 2024 | 77 | $3.4M | 17.14% | 0.04% | -0.21% | 92.7% |
| Q3 2024 | 78 | $3.4M | 17.10% | 0.00% | -0.32% | 86.0% |
| Q2 2024 | 76 | $3.4M | 17.04% | 0.00% | -0.44% | 87.0% |
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 |
|---|---|---|---|---|---|
| Goodyear San Angelo Federal Credit UnionCredit union San Angelo, TX | 71 out of 100, Strong | $4.1M | 14.1% | 1.51% | vs |
| Covenant Savings Federal Credit UnionCredit union Killeen, TX | 72 out of 100, Strong | $4.2M | 12.5% | 1.69% | vs |
| Houston Belt & Terminal Federal Credit UnionCredit union Humble, TX | 60 out of 100, Moderate | $3.8M | 40.5% | 9.37% | vs |
| Union Pacific Employees Credit UnionCredit union Beaumont, TX | 59 out of 100, Moderate | $3.8M | 23.7% | 2.02% | vs |
| Intercorp Credit UnionCredit union Amarillo, TX | 60 out of 100, Moderate | $4.2M | 18.6% | 2.86% | vs |
| Highway District 9 Credit UnionCredit union Waco, TX | 86 out of 100, Very strong | $4.2M | 26.4% | 0.51% | vs |
Deposit insurance
Is my money safe at Plains Federal Credit Union?
Yes. Plains Federal Credit Union is a federally insured credit union (NCUA charter #12274). 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 14.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Plains Federal Credit Union lists 1 office in 1 city. Most locations:
- Plainview, TX (1)
Identity & history
Profile
- Legal name
- Plains Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12274
- RSSD ID
- 120784
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- P. O. Box 670, Plainview, TX 79073
- Employees
- 3
Quick answers
Plains Federal Credit Union: common questions
Is Plains Federal Credit Union NCUA insured?
Yes. Plains Federal Credit Union is a federally insured credit union (NCUA charter #12274). 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 Plains Federal Credit Union's TellerScore?
80 out of 100 (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 Plains Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Plainview
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of BurnetBank Burnet, TX | 86 out of 100, Very strong | $325.8M | 12.5% | 0.13% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
| Kress National BankBank Kress, TX | 76 out of 100, Strong | $63.7M | 9.6% | 0.00% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| Western BankBank Lubbock, TX | 71 out of 100, Strong | $947.2M | 9.8% | 0.31% | vs |