Headquartered in Dallas, Texas, Resource One Credit Union is a federally insured state-chartered credit union with $555.2M in total assets and $495.2M in member shares and deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1936.
Based on its Q2 2026 filing, Resource One Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 291st. Its strongest component is earnings (100/100; 3.26%), and its lowest is loan quality (22/100; 2.33%).
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 rose 16 points (44 → 60), mostly because the earnings component improved by 66 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 33 |
| Q3 2024 | 36 |
| Q4 2024 | 33 |
| Q1 2025 | 45 |
| Q2 2025 | 44 |
| Q3 2025 | 40 |
| Q4 2025 | 37 |
| Q1 2026 | 47 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 6.70% |
| Q3 2024 | 6.92% |
| Q4 2024 | 6.74% |
| Q1 2025 | 7.02% |
| Q2 2025 | 7.27% |
| Q3 2025 | 7.59% |
| Q4 2025 | 7.45% |
| Q1 2026 | 7.61% |
| Q2 2026 | 10.43% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.18% |
| Q3 2024 | 2.11% |
| Q4 2024 | 2.09% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.89% |
| Q4 2025 | 2.11% |
| Q1 2026 | 1.56% |
| Q2 2026 | 2.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.18% |
| Q4 2024 | -0.10% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.58% |
| Q2 2026 | 3.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $555.2M | 10.43% | 2.33% | 3.26% | 83.3% |
| Q1 2026 | 47 | $654.0M | 7.61% | 1.56% | 0.58% | 79.4% |
| Q4 2025 | 37 | $655.7M | 7.45% | 2.11% | 0.16% | 80.3% |
| Q3 2025 | 40 | $662.8M | 7.59% | 1.89% | 0.23% | 83.0% |
| Q2 2025 | 44 | $693.4M | 7.27% | 1.46% | 0.35% | 81.8% |
| Q1 2025 | 45 | $702.2M | 7.02% | 1.01% | 0.09% | 84.8% |
| Q4 2024 | 33 | $758.5M | 6.74% | 2.09% | -0.10% | 81.2% |
| Q3 2024 | 36 | $786.7M | 6.92% | 2.11% | 0.18% | 80.7% |
| Q2 2024 | 33 | $796.2M | 6.70% | 2.18% | 0.06% | 81.4% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| My Community Credit UnionCredit union Midland, TX | 55 out of 100, Moderate | $555.3M | 10.3% | 1.24% | vs |
| Soarion Federal Credit UnionCredit union San Antonio, TX | 55 out of 100, Moderate | $555.6M | 6.8% | 1.01% | vs |
| Education First Federal Credit UnionCredit union Beaumont, TX | 65 out of 100, Moderate | $583.1M | 9.1% | 0.62% | vs |
| Openland Credit UnionCredit union League City, TX | 63 out of 100, Moderate | $587.9M | 11.1% | 1.09% | vs |
| Coastlife Credit UnionCredit union Corpus Christi, TX | 67 out of 100, Moderate | $519.7M | 11.7% | 0.89% | vs |
| Security First Federal Credit UnionCredit union McAllen, TX | 68 out of 100, Moderate | $516.6M | 11.9% | 1.32% | vs |
Deposit insurance
Is my money safe at Resource One Credit Union?
Yes. Resource One Credit Union is a federally insured credit union (NCUA charter #68439). 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 5.8% of shares and deposits ($28.9M) 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 10.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Resource One Credit Union lists 10 offices in 6 cities. Most locations:
- Dallas, TX (4)
- Garland, TX (2)
- Carrollton, TX (1)
- Cedar Hill, TX (1)
- Irving, TX (1)
- Mesquite, TX (1)
HMDA 2025
Mortgage lending
In 2025, Resource One Credit Union reported 22 home-loan applications under HMDA (LEI 254900QC7DVGIYVGB494): 0 originated ($0 total), 8 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 66.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Resource One Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68439
- RSSD ID
- 473275
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- PO Box 660077, Dallas, TX 75266
- Employees
- 153
Quick answers
Resource One Credit Union: common questions
Is Resource One Credit Union NCUA insured?
Yes. Resource One Credit Union is a federally insured credit union (NCUA charter #68439). 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 Resource One Credit Union's TellerScore?
60 out of 100 (Moderate), 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 Resource One Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Dallas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |