Headquartered in Grand Saline, Texas, Salt Employees Federal Credit Union is a federal credit union with $1.5M in total assets and $764K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.
Salt Employees Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 153rd. Capital cushion contributes the most (100/100, 44.66%); earnings contributes the least (6/100, -0.35%).
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 22 points (55 → 77), mostly because the loan quality component improved by 79 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 48 |
| Q4 2024 | 57 |
| Q1 2025 | 75 |
| Q2 2025 | 55 |
| Q3 2025 | 77 |
| Q4 2025 | 71 |
| Q1 2026 | 76 |
| Q2 2026 | 77 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 45.13% |
| Q3 2024 | 43.98% |
| Q4 2024 | 43.99% |
| Q1 2025 | 43.47% |
| Q2 2025 | 44.54% |
| Q3 2025 | 41.82% |
| Q4 2025 | 43.97% |
| Q1 2026 | 44.52% |
| Q2 2026 | 44.66% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.80% |
| Q3 2024 | 3.90% |
| Q4 2024 | 2.03% |
| Q1 2025 | 0.07% |
| Q2 2025 | 2.36% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.61% |
| Q3 2024 | -1.03% |
| Q4 2024 | -1.96% |
| Q1 2025 | -2.51% |
| Q2 2025 | -1.23% |
| Q3 2025 | -0.84% |
| Q4 2025 | -0.50% |
| Q1 2026 | -0.86% |
| Q2 2026 | -0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $1.5M | 44.66% | 0.00% | -0.35% | 91.4% |
| Q1 2026 | 76 | $1.5M | 44.52% | 0.00% | -0.86% | 89.3% |
| Q4 2025 | 71 | $1.5M | 43.97% | 0.63% | -0.50% | 85.2% |
| Q3 2025 | 77 | $1.6M | 41.82% | 0.02% | -0.84% | 80.3% |
| Q2 2025 | 55 | $1.5M | 44.54% | 2.36% | -1.23% | 92.2% |
| Q1 2025 | 75 | $1.5M | 43.47% | 0.07% | -2.51% | 89.6% |
| Q4 2024 | 57 | $1.5M | 43.99% | 2.03% | -1.96% | 98.7% |
| Q3 2024 | 48 | $1.6M | 43.98% | 3.90% | -1.03% | 103.5% |
| Q2 2024 | 47 | $1.5M | 45.13% | 3.80% | -1.61% | 120.1% |
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 |
|---|---|---|---|---|---|
| Brentwood Baptist Church Federal Credit UnionCredit union Houston, TX | 35 out of 100, Low | $1.3M | 7.8% | 2.21% | vs |
| Highway Employees Credit UnionCredit union Tyler, TX | 81 out of 100, Strong | $1.8M | 29.2% | 0.04% | vs |
| American Baptist Association Credit UnionCredit union Angleton, TX | 60 out of 100, Moderate | $1.8M | 8.4% | 0.00% | vs |
| St. Luke'S Community Federal Credit UnionCredit union Houston, TX | 53 out of 100, Below average | $1.9M | 11.7% | 3.03% | vs |
| Littlefield School Employees Federal Credit UnionCredit union Littlefield, TX | 84 out of 100, Strong | $1.0M | 18.9% | 0.09% | vs |
| Pilgrim Cucc Federal Credit UnionCredit union Houston, TX | 47 out of 100, Below average | $1.0M | 12.1% | 2.72% | vs |
Deposit insurance
Is my money safe at Salt Employees Federal Credit Union?
Yes. Salt Employees Federal Credit Union is a federally insured credit union (NCUA charter #15001). 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 44.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Salt Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Grand Saline, TX (1)
Identity & history
Profile
- Legal name
- Salt Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15001
- RSSD ID
- 679983
- Primary regulator
- NCUA
- Established
- 1962
- Headquarters
- Po Box 246, Grand Saline, TX 75140
- Employees
- 2
Quick answers
Salt Employees Federal Credit Union: common questions
Is Salt Employees Federal Credit Union NCUA insured?
Yes. Salt Employees Federal Credit Union is a federally insured credit union (NCUA charter #15001). 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 Salt Employees Federal Credit Union's TellerScore?
77 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 Salt Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Grand Saline
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| Alba-Golden Federal Credit UnionCredit union Alba, TX | 90 out of 100, Very strong | $22.2M | 16.8% | 0.01% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Yantis Federal Credit UnionCredit union Yantis, TX | 82 out of 100, Strong | $26.8M | 13.4% | 0.01% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |