TellerScore

Headquartered in Nursery, Texas, S.T.E.C. Federal Credit Union is a federal credit union with $5.5M in total assets and $3.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1968.

Based on its Q2 2026 filing, S.T.E.C. Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 133rd. Its strongest component is capital cushion (100/100; 30.91%), and its lowest is earnings (39/100; 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 30.91%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity67/100
Loans ÷ shares: 93.6% · 6.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.91%

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 8 points (87 → 79), mostly because the earnings component weakened by 56 points.

TellerScore
677889Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202487
Q4 202487
Q1 202583
Q2 202587
Q3 202587
Q4 202589
Q1 202667
Q2 202679
Net worth ratio
7.00%18.95%30.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202425.83%
Q3 202426.51%
Q4 202427.13%
Q1 202528.30%
Q2 202529.54%
Q3 202529.64%
Q4 202530.81%
Q1 202630.27%
Q2 202630.91%
Delinquent loans (60+ days)
0.39%0.64%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.50%
Q4 20240.46%
Q1 20250.54%
Q2 20250.55%
Q3 20250.55%
Q4 20250.39%
Q1 20260.88%
Q2 20260.44%
Return on assets
-0.52%0.68%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.73%
Q4 20241.72%
Q1 20251.42%
Q2 20251.86%
Q3 20251.87%
Q4 20251.82%
Q1 2026-0.52%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$5.5M30.91%0.44%0.48%93.6%
Q1 202667$5.6M30.27%0.88%-0.52%98.9%
Q4 202589$5.5M30.81%0.39%1.82%104.1%
Q3 202587$5.6M29.64%0.55%1.87%108.7%
Q2 202587$5.6M29.54%0.55%1.86%113.8%
Q1 202583$5.7M28.30%0.54%1.42%108.3%
Q4 202487$5.9M27.13%0.46%1.72%105.1%
Q3 202487$5.9M26.51%0.50%1.73%101.2%
Q2 202488$6.0M25.83%0.42%1.61%93.9%

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 ratio30.91%
95th
Problem loans0.44%
61st
Net charge-offs0.09%
58th
Return on assets0.48%
41st
Loans to deposits93.6%
6th
Uninsured deposits6.2%
16th
Loan-loss reserves0.30%
75th
Texas ratio0.9%
67th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Redeemer Federal Credit UnionCredit union Plano, TX59 out of 100, Moderate$5.4M27.5%2.75%vs
Pampa Municipal Credit UnionCredit union Pampa, TX68 out of 100, Moderate$5.4M14.1%1.63%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Frio County Federal Credit UnionCredit union Pearsall, TX67 out of 100, Moderate$5.3M37.4%0.63%vs
South Texas Regional Federal Credit UnionCredit union Laredo, TX83 out of 100, Strong$5.7M15.5%0.15%vs
Farmers Branch City Employees Federal Credit UnionCredit union Farmers Branch, TX57 out of 100, Moderate$5.2M19.9%6.74%vs

Deposit insurance

Is my money safe at S.T.E.C. Federal Credit Union?

Yes. S.T.E.C. Federal Credit Union is a federally insured credit union (NCUA charter #18816). 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 6.2% of shares and deposits ($236K) 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 30.91%, 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

S.T.E.C. Federal Credit Union lists 1 office in 1 city. Most locations:

  • Nursery, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
S.T.E.C. Federal Credit Union
Type
Federal credit union
NCUA charter #
18816
RSSD ID
789181
Primary regulator
NCUA
Established
1968
Headquarters
Po Box 151, Nursery, TX 77976
Employees
2

Quick answers

S.T.E.C. Federal Credit Union: common questions

Is S.T.E.C. Federal Credit Union NCUA insured?

Yes. S.T.E.C. Federal Credit Union is a federally insured credit union (NCUA charter #18816). 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 S.T.E.C. Federal Credit Union's TellerScore?

79 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 S.T.E.C. Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nursery

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs