Postel Family Credit Union is a federally insured state-chartered credit union headquartered in Wichita Falls, Texas, in business for about 97 years. At the end of Q2 2026 it reported $85.2M in total assets and $74.9M in member shares and deposits, with 1 office.
Postel Family Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 206th. Funding & liquidity contributes the most (100/100, 53% loans-to-deposits, 2% uninsured); earnings contributes the least (29/100, 0.23%).
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 4 points (75 → 71), mostly because the earnings component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 86 |
| Q4 2024 | 87 |
| Q1 2025 | 72 |
| Q2 2025 | 75 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.83% |
| Q3 2024 | 12.15% |
| Q4 2024 | 11.99% |
| Q1 2025 | 11.79% |
| Q2 2025 | 11.64% |
| Q3 2025 | 11.69% |
| Q4 2025 | 11.48% |
| Q1 2026 | 11.22% |
| Q2 2026 | 11.05% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.80% |
| Q3 2024 | 2.12% |
| Q4 2024 | 1.75% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.36% |
| Q1 2026 | -0.01% |
| Q2 2026 | 0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $85.2M | 11.05% | 0.33% | 0.23% | 52.9% |
| Q1 2026 | 72 | $83.0M | 11.22% | 0.08% | -0.01% | 54.2% |
| Q4 2025 | 74 | $81.1M | 11.48% | 0.27% | 0.36% | 56.0% |
| Q3 2025 | 74 | $79.8M | 11.69% | 0.34% | 0.38% | 56.2% |
| Q2 2025 | 75 | $79.0M | 11.64% | 0.31% | 0.50% | 56.2% |
| Q1 2025 | 72 | $77.6M | 11.79% | 0.39% | 0.19% | 56.5% |
| Q4 2024 | 87 | $75.9M | 11.99% | 0.23% | 1.75% | 59.6% |
| Q3 2024 | 86 | $74.5M | 12.15% | 0.66% | 2.12% | 59.9% |
| Q2 2024 | 82 | $75.4M | 11.83% | 0.88% | 2.80% | 59.6% |
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 |
|---|---|---|---|---|---|
| Southwest Financial Federal Credit UnionCredit union Farmers Branch, TX | 72 out of 100, Strong | $85.3M | 15.2% | 0.95% | vs |
| Irving City Employees Federal Credit UnionCredit union Irving, TX | 86 out of 100, Very strong | $85.8M | 12.0% | 0.56% | vs |
| City Federal Credit UnionCredit union Amarillo, TX | 61 out of 100, Moderate | $84.3M | 16.3% | 1.59% | vs |
| Memorial Credit UnionCredit union Houston, TX | 62 out of 100, Moderate | $84.2M | 11.1% | 0.66% | vs |
| U. S. Employees Credit UnionCredit union Tomball, TX | 74 out of 100, Strong | $86.4M | 10.4% | 0.20% | vs |
| Domino Federal Credit UnionCredit union Texarkana, TX | 96 out of 100, Very strong | $86.6M | 17.5% | 0.35% | vs |
Deposit insurance
Is my money safe at Postel Family Credit Union?
Yes. Postel Family Credit Union is a federally insured credit union (NCUA charter #67554). 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 2.1% of shares and deposits ($1.5M) 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 11.05%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Postel Family Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Postel Family Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67554
- RSSD ID
- 974491
- Primary regulator
- State + NCUA
- Established
- 1929
- Headquarters
- 4400 Maplewood Ave, Wichita Falls, TX 76308
- Employees
- 24
Quick answers
Postel Family Credit Union: common questions
Is Postel Family Credit Union NCUA insured?
Yes. Postel Family Credit Union is a federally insured credit union (NCUA charter #67554). 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 Postel Family Credit Union's TellerScore?
71 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 Postel Family Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Wichita Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| The Waggoner National Bank of VernonBank Vernon, TX | 88 out of 100, Very strong | $353.7M | 14.4% | 0.66% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX | 82 out of 100, Strong | $115.6M | 12.4% | 0.31% | vs |
| First BankBank Burkburnett, TX | 81 out of 100, Strong | $703.6M | 13.9% | 0.80% | vs |
| First State BankBank Graham, TX | 81 out of 100, Strong | $308.8M | 10.1% | 0.00% | vs |