TellerScore

Headquartered in Seminole, Texas, Seminole Public Schools Federal Credit Union is a federal credit union with $7.4M in total assets and $5.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1965.

Based on its Q2 2026 filing, Seminole Public Schools Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 314th. Its strongest component is capital cushion (100/100; 22.26%), and its lowest is loan quality (0/100; 4.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.26%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.37%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity100/100
Loans ÷ shares: 44.1% · 0.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.60%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202468
Q4 202467
Q1 202558
Q2 202558
Q3 202558
Q4 202558
Q1 202658
Q2 202658
Net worth ratio
7.00%14.76%22.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.09%
Q3 202421.98%
Q4 202422.52%
Q1 202522.23%
Q2 202521.79%
Q3 202521.65%
Q4 202521.44%
Q1 202621.67%
Q2 202622.26%
Delinquent loans (60+ days)
1.83%3.73%5.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.29%
Q3 20241.83%
Q4 20242.05%
Q1 20254.14%
Q2 20255.63%
Q3 20253.89%
Q4 20254.63%
Q1 20265.07%
Q2 20264.37%
Return on assets
0.02%0.05%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.04%
Q4 20240.03%
Q1 20250.03%
Q2 20250.08%
Q3 20250.07%
Q4 20250.05%
Q1 20260.02%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$7.4M22.26%4.37%0.02%44.1%
Q1 202658$7.6M21.67%5.07%0.02%42.5%
Q4 202558$7.6M21.44%4.63%0.05%45.2%
Q3 202558$7.6M21.65%3.89%0.07%46.2%
Q2 202558$7.5M21.79%5.63%0.08%45.8%
Q1 202558$7.4M22.23%4.14%0.03%47.6%
Q4 202467$7.3M22.52%2.05%0.03%48.3%
Q3 202468$7.4M21.98%1.83%0.04%49.9%
Q2 202465$7.5M22.09%2.29%0.05%54.0%

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 ratio22.26%
83rd
Problem loans4.37%
8th
Net charge-offs0.17%
50th
Return on assets0.02%
20th
Loans to deposits44.1%
72nd
Uninsured deposits0.0%
81st
Loan-loss reserves1.19%
85th
Texas ratio6.6%
22nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
Highway District 19 Employees Credit UnionCredit union Atlanta, TX73 out of 100, Strong$7.1M20.7%0.72%vs
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs
Oak Cliff Christian Federal Credit UnionCredit union Dallas, TX56 out of 100, Moderate$7.8M7.2%0.78%vs
Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX83 out of 100, Strong$6.9M31.9%0.40%vs

Deposit insurance

Is my money safe at Seminole Public Schools Federal Credit Union?

Yes. Seminole Public Schools Federal Credit Union is a federally insured credit union (NCUA charter #17154). 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 22.26%, 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

Seminole Public Schools Federal Credit Union lists 1 office in 1 city. Most locations:

  • Seminole, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Seminole Public Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
17154
RSSD ID
417783
Primary regulator
NCUA
Established
1965
Headquarters
207 SW 6th St, Seminole, TX 79360
Employees
2

Quick answers

Seminole Public Schools Federal Credit Union: common questions

Is Seminole Public Schools Federal Credit Union NCUA insured?

Yes. Seminole Public Schools Federal Credit Union is a federally insured credit union (NCUA charter #17154). 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 Seminole Public Schools Federal Credit Union's TellerScore?

58 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 Seminole Public Schools Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Seminole

InstitutionScoreAssetsCapitalProblem loansCompare
Estacado Federal Credit UnionCredit union Hobbs, NM87 out of 100, Very strong$120.0M14.1%0.73%vs
Sundown State BankBank Sundown, TX79 out of 100, Strong$307.7M11.6%0.84%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs
Maverick BankBank Fort Davis, TX76 out of 100, Strong$809.1M8.8%0.01%vs
W T N M Atlantic Federal Credit UnionCredit union Denver City, TX63 out of 100, Moderate$2.1M21.2%6.76%vs
West Texas National BankBank Midland, TX60 out of 100, Moderate$2.9B10.5%1.67%vs