Sherwin Federal Credit Union (NCUA charter #12259) is based in Portland, Texas. Its Q2 2026 call report shows $6.6M in total assets and $4.3M in member shares and deposits and 4 offices.
Sherwin Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 163rd. Capital cushion contributes the most (100/100, 34.44%); earnings contributes the least (0/100, -1.68%).
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 fell 3 points (79 → 76), mostly because the funding & liquidity component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 78 |
| Q4 2025 | 78 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 34.57% |
| Q3 2024 | 34.61% |
| Q4 2024 | 33.73% |
| Q1 2025 | 32.96% |
| Q2 2025 | 31.89% |
| Q3 2025 | 33.83% |
| Q4 2025 | 31.90% |
| Q1 2026 | 33.25% |
| Q2 2026 | 34.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.60% |
| Q3 2024 | -0.77% |
| Q4 2024 | -1.18% |
| Q1 2025 | -1.59% |
| Q2 2025 | -1.17% |
| Q3 2025 | -0.93% |
| Q4 2025 | -1.13% |
| Q1 2026 | -1.68% |
| Q2 2026 | -1.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $6.6M | 34.44% | 0.00% | -1.68% | 85.6% |
| Q1 2026 | 75 | $7.0M | 33.25% | 0.20% | -1.68% | 80.3% |
| Q4 2025 | 78 | $7.4M | 31.90% | 0.00% | -1.13% | 71.7% |
| Q3 2025 | 78 | $7.0M | 33.83% | 0.00% | -0.93% | 75.7% |
| Q2 2025 | 79 | $7.4M | 31.89% | 0.00% | -1.17% | 70.7% |
| Q1 2025 | 79 | $7.2M | 32.96% | 0.00% | -1.59% | 69.9% |
| Q4 2024 | 78 | $7.1M | 33.73% | 0.00% | -1.18% | 74.0% |
| Q3 2024 | 78 | $7.1M | 34.61% | 0.00% | -0.77% | 74.7% |
| Q2 2024 | 78 | $7.1M | 34.57% | 0.00% | -0.60% | 76.4% |
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 |
|---|---|---|---|---|---|
| Sweetwater Regional Federal Credit UnionCredit union Sweetwater, TX | 79 out of 100, Strong | $6.6M | 19.5% | 0.11% | vs |
| Andrews School Federal Credit UnionCredit union Andrews, TX | 84 out of 100, Strong | $6.7M | 28.2% | 0.47% | vs |
| Coburn Credit UnionCredit union Beaumont, TX | 53 out of 100, Below average | $6.5M | 22.3% | 4.97% | vs |
| Galveston Government Employees Credit UnionCredit union Dickinson, TX | 32 out of 100, Low | $6.8M | 9.3% | 3.07% | vs |
| Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX | 83 out of 100, Strong | $6.9M | 31.9% | 0.40% | vs |
| Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX | 80 out of 100, Strong | $7.0M | 14.7% | 0.06% | vs |
Deposit insurance
Is my money safe at Sherwin Federal Credit Union?
Yes. Sherwin Federal Credit Union is a federally insured credit union (NCUA charter #12259). 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 34.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Sherwin Federal Credit Union lists 4 offices in 2 cities. Most locations:
- Portland, TX (3)
- Frisco, TX (1)
Identity & history
Profile
- Legal name
- Sherwin Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12259
- RSSD ID
- 306289
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- PO Box 1294, Portland, TX 78374
- Employees
- 3
Quick answers
Sherwin Federal Credit Union: common questions
Is Sherwin Federal Credit Union NCUA insured?
Yes. Sherwin Federal Credit Union is a federally insured credit union (NCUA charter #12259). 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 Sherwin Federal Credit Union's TellerScore?
76 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 Sherwin Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Portland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| First State Bank of OdemBank Odem, TX | 95 out of 100, Very strong | $212.6M | 14.4% | 0.00% | vs |
| Members First Credit UnionCredit union Corpus Christi, TX | 87 out of 100, Very strong | $183.2M | 24.0% | 1.04% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Nce Credit UnionCredit union Corpus Christi, TX | 85 out of 100, Very strong | $5.9M | 20.8% | 0.00% | vs |