TellerScore

Headquartered in Skellytown, Texas, Skel-Tex Credit Union is a federally insured state-chartered credit union with $6.2M in total assets and $4.8M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1964.

Based on its Q2 2026 filing, Skel-Tex Credit Union scores 83/100, which we describe as strong. That is higher than 72% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 97th. Its strongest component is capital cushion (100/100; 21.47%), and its lowest is earnings (42/100; 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.47%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity100/100
Loans ÷ shares: 54.7% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.28%

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 12 points (71 → 83), mostly because the loan quality component improved by 43 points.

TellerScore
677685Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202467
Q4 202469
Q1 202573
Q2 202571
Q3 202579
Q4 202585
Q1 202681
Q2 202683
Net worth ratio
7.00%14.33%21.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.31%
Q3 202421.66%
Q4 202421.56%
Q1 202521.19%
Q2 202521.33%
Q3 202521.58%
Q4 202521.12%
Q1 202621.14%
Q2 202621.47%
Delinquent loans (60+ days)
0.59%1.25%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20241.70%
Q4 20241.56%
Q1 20251.52%
Q2 20251.91%
Q3 20251.23%
Q4 20250.73%
Q1 20260.70%
Q2 20260.64%
Return on assets
-0.07%0.41%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.00%
Q3 2024-0.07%
Q4 20240.07%
Q1 20250.47%
Q2 20250.59%
Q3 20250.85%
Q4 20250.90%
Q1 20260.33%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$6.2M21.47%0.64%0.54%54.7%
Q1 202681$6.2M21.14%0.70%0.33%55.2%
Q4 202585$6.2M21.12%0.73%0.90%61.5%
Q3 202579$6.0M21.58%1.23%0.85%67.2%
Q2 202571$6.0M21.33%1.91%0.59%63.2%
Q1 202573$5.9M21.19%1.52%0.47%68.8%
Q4 202469$5.8M21.56%1.56%0.07%69.3%
Q3 202467$5.8M21.66%1.70%-0.07%70.4%
Q2 202477$5.9M21.31%0.59%-0.00%69.9%

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 ratio21.47%
82nd
Problem loans0.64%
52nd
Net charge-offs0.00%
77th
Return on assets0.54%
44th
Loans to deposits54.7%
56th
Uninsured deposits0.0%
81st
Loan-loss reserves0.19%
74th
Texas ratio1.3%
61st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs
Coburn Credit UnionCredit union Beaumont, TX53 out of 100, Below average$6.5M22.3%4.97%vs
Sweetwater Regional Federal Credit UnionCredit union Sweetwater, TX79 out of 100, Strong$6.6M19.5%0.11%vs
Sherwin Federal Credit UnionCredit union Portland, TX76 out of 100, Strong$6.6M34.4%0.00%vs
South Texas Regional Federal Credit UnionCredit union Laredo, TX83 out of 100, Strong$5.7M15.5%0.15%vs
Andrews School Federal Credit UnionCredit union Andrews, TX84 out of 100, Strong$6.7M28.2%0.47%vs

Deposit insurance

Is my money safe at Skel-Tex Credit Union?

Yes. Skel-Tex Credit Union is a federally insured credit union (NCUA charter #60396). 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 21.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Skel-Tex Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Skel-Tex Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60396
RSSD ID
157490
Primary regulator
State + NCUA
Established
1964
Headquarters
PO Box 660, Skellytown, TX 79080
Employees
3

Quick answers

Skel-Tex Credit Union: common questions

Is Skel-Tex Credit Union NCUA insured?

Yes. Skel-Tex Credit Union is a federally insured credit union (NCUA charter #60396). 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 Skel-Tex Credit Union's TellerScore?

83 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 Skel-Tex Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Skellytown

InstitutionScoreAssetsCapitalProblem loansCompare
Pantex Federal Credit UnionCredit union Borger, TX90 out of 100, Very strong$233.4M22.3%0.69%vs
Cabot Community Credit UnionCredit union Pampa, TX84 out of 100, Strong$45.3M15.9%1.16%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
Education Credit UnionCredit union Amarillo, TX70 out of 100, Strong$469.2M12.6%0.64%vs