TellerScore

Scott and White Employees Credit Union is a federally insured state-chartered credit union headquartered in Temple, Texas, in business for about 64 years. At the end of Q2 2026 it reported $71.7M in total assets and $57.6M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Scott and White Employees Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 28th. Its strongest component is capital cushion (100/100; 18.49%), and its lowest is loan quality (75/100; 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.49%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity90/100
Loans ÷ shares: 70.4% · 0.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.31%

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 3 points (95 → 92), mostly because the loan quality component weakened by 9 points.

TellerScore
919497Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202493
Q4 202495
Q1 202596
Q2 202595
Q3 202591
Q4 202596
Q1 202697
Q2 202692
Net worth ratio
7.00%12.97%18.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.05%
Q3 202414.76%
Q4 202415.09%
Q1 202514.97%
Q2 202516.36%
Q3 202516.85%
Q4 202517.46%
Q1 202618.94%
Q2 202618.49%
Delinquent loans (60+ days)
0.30%0.61%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.76%
Q4 20240.50%
Q1 20250.38%
Q2 20250.49%
Q3 20250.92%
Q4 20250.35%
Q1 20260.30%
Q2 20260.75%
Return on assets
2.22%2.36%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.45%
Q3 20242.50%
Q4 20242.42%
Q1 20252.44%
Q2 20252.49%
Q3 20252.43%
Q4 20252.37%
Q1 20262.22%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$71.7M18.49%0.75%2.26%70.4%
Q1 202697$73.2M18.94%0.30%2.22%65.0%
Q4 202596$71.0M17.46%0.35%2.37%67.2%
Q3 202591$70.8M16.85%0.92%2.43%63.4%
Q2 202595$70.3M16.36%0.49%2.49%63.8%
Q1 202596$74.0M14.97%0.38%2.44%61.3%
Q4 202495$70.4M15.09%0.50%2.42%59.7%
Q3 202493$69.2M14.76%0.76%2.50%60.6%
Q2 202492$69.5M14.05%0.58%2.45%60.5%

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 ratio18.49%
71st
Problem loans0.75%
48th
Net charge-offs0.14%
54th
Return on assets2.26%
96th
Loans to deposits70.4%
33rd
Uninsured deposits0.8%
55th
Loan-loss reserves0.00%
37th
Texas ratio2.3%
49th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Star of Texas Credit UnionCredit union Austin, TX66 out of 100, Moderate$71.6M22.3%3.79%vs
Service 1st Credit UnionCredit union Greenville, TX91 out of 100, Very strong$71.3M16.8%0.78%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs
West Texas Credit UnionCredit union Odessa, TX58 out of 100, Moderate$70.3M9.3%1.07%vs
South Texas Federal Credit UnionCredit union McALLEN, TX47 out of 100, Below average$69.2M8.6%2.38%vs
Texan Sky Federal Credit UnionCredit union Dumas, TX82 out of 100, Strong$74.7M15.7%0.34%vs

Deposit insurance

Is my money safe at Scott and White Employees Credit Union?

Yes. Scott and White Employees Credit Union is a federally insured credit union (NCUA charter #67612). 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 0.8% of shares and deposits ($484K) 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 18.49%, 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

Scott and White Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Scott and White Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67612
RSSD ID
976598
Primary regulator
State + NCUA
Established
1962
Headquarters
P O Box 246, Temple, TX 76503
Employees
11

Quick answers

Scott and White Employees Credit Union: common questions

Is Scott and White Employees Credit Union NCUA insured?

Yes. Scott and White Employees Credit Union is a federally insured credit union (NCUA charter #67612). 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 Scott and White Employees Credit Union's TellerScore?

92 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 Scott and White Employees Credit Union have?

1 office as of the latest NCUA data.