TellerScore

Reed Credit Union is a federally insured state-chartered credit union headquartered in Houston, Texas, in business for about 91 years. At the end of Q2 2026 it reported $15.7M in total assets and $12.9M in member shares and deposits, with 1 office.

Reed Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 81st. Capital cushion contributes the most (100/100, 17.51%); earnings contributes the least (23/100, 0.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.51%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings23/100
Return on assets (annualized): 0.07%
Funding & liquidity100/100
Loans ÷ shares: 14.1% · 13.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 16 points (69 → 85), mostly because the loan quality component improved by 73 points.

TellerScore
627485Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202476
Q4 202470
Q1 202571
Q2 202569
Q3 202572
Q4 202562
Q1 202667
Q2 202685
Net worth ratio
7.00%12.50%18.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.82%
Q3 202416.11%
Q4 202416.50%
Q1 202516.60%
Q2 202516.71%
Q3 202517.89%
Q4 202517.94%
Q1 202618.00%
Q2 202617.51%
Delinquent loans (60+ days)
0.00%1.82%3.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.39%
Q3 20241.56%
Q4 20242.26%
Q1 20252.11%
Q2 20252.19%
Q3 20252.01%
Q4 20253.65%
Q1 20262.05%
Q2 20260.00%
Return on assets
0.07%0.39%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.71%
Q4 20240.70%
Q1 20250.70%
Q2 20250.54%
Q3 20250.57%
Q4 20250.48%
Q1 20260.08%
Q2 20260.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$15.7M17.51%0.00%0.07%14.1%
Q1 202667$15.2M18.00%2.05%0.08%16.6%
Q4 202562$15.3M17.94%3.65%0.48%16.2%
Q3 202572$15.3M17.89%2.01%0.57%17.0%
Q2 202569$16.2M16.71%2.19%0.54%17.3%
Q1 202571$16.2M16.60%2.11%0.70%19.5%
Q4 202470$16.2M16.50%2.26%0.70%20.1%
Q3 202476$16.4M16.11%1.56%0.71%20.1%
Q2 202477$16.5M15.82%1.39%0.64%21.8%

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 ratio17.51%
67th
Problem loans0.00%
94th
Net charge-offs0.79%
18th
Return on assets0.07%
22nd
Loans to deposits14.1%
97th
Uninsured deposits13.9%
3rd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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Cen Tex Manufacturing Credit UnionCredit union Brownwood, TX69 out of 100, Moderate$15.0M22.4%2.20%vs
Laredo Fire Department Federal Credit UnionCredit union Laredo, TX55 out of 100, Moderate$14.7M12.5%1.74%vs
Cowboy Country Federal Credit UnionCredit union Premont, TX46 out of 100, Below average$16.8M14.8%6.70%vs
Alpine Community Credit UnionCredit union Alpine, TX86 out of 100, Very strong$14.5M16.6%0.39%vs

Deposit insurance

Is my money safe at Reed Credit Union?

Yes. Reed Credit Union is a federally insured credit union (NCUA charter #67486). 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 13.9% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.51%, well 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

Reed Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Reed Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67486
RSSD ID
866596
Primary regulator
State + NCUA
Established
1935
Headquarters
10200 East Fwy #125, Houston, TX 77029
Employees
3

Quick answers

Reed Credit Union: common questions

Is Reed Credit Union NCUA insured?

Yes. Reed Credit Union is a federally insured credit union (NCUA charter #67486). 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 Reed Credit Union's TellerScore?

85 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 Reed Credit Union have?

1 office as of the latest NCUA data.

Nearby

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