TellerScore

South Texas Federal Credit Union is a federal credit union headquartered in McALLEN, Texas, in business for about 74 years. At the end of Q2 2026 it reported $69.2M in total assets and $63.8M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, South Texas Federal Credit Union scores 47/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 363rd. Its strongest component is funding & liquidity (100/100; 28% loans-to-deposits, 0% uninsured), and its lowest is loan quality (21/100; 2.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.57%
Loan quality21/100
Loans 60+ days delinquent ÷ total loans: 2.38%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity100/100
Loans ÷ shares: 27.8% · 0.0% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.51%

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 10 points (57 → 47), mostly because the loan quality component weakened by 31 points.

TellerScore
475868Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202457
Q4 202456
Q1 202568
Q2 202557
Q3 202555
Q4 202556
Q1 202654
Q2 202647
Net worth ratio
7.00%8.08%9.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.81%
Q3 20248.99%
Q4 20249.16%
Q1 20258.86%
Q2 20258.81%
Q3 20258.89%
Q4 20258.56%
Q1 20268.43%
Q2 20268.57%
Delinquent loans (60+ days)
0.52%1.45%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20241.17%
Q4 20241.54%
Q1 20250.52%
Q2 20251.45%
Q3 20251.69%
Q4 20251.31%
Q1 20261.20%
Q2 20262.38%
Return on assets
0.10%0.48%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.31%
Q4 20240.42%
Q1 20250.85%
Q2 20250.63%
Q3 20250.61%
Q4 20250.39%
Q1 20260.10%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$69.2M8.57%2.38%0.40%27.8%
Q1 202654$68.9M8.43%1.20%0.10%30.6%
Q4 202556$67.6M8.56%1.31%0.39%34.2%
Q3 202555$66.8M8.89%1.69%0.61%37.8%
Q2 202557$66.3M8.81%1.45%0.63%41.5%
Q1 202568$65.2M8.86%0.52%0.85%46.8%
Q4 202456$61.5M9.16%1.54%0.42%54.2%
Q3 202457$62.5M8.99%1.17%0.31%57.7%
Q2 202464$64.7M8.81%0.70%0.65%59.6%

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 ratio8.57%
7th
Problem loans2.38%
17th
Net charge-offs1.07%
13th
Return on assets0.40%
37th
Loans to deposits27.8%
91st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio7.5%
19th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
West Texas Credit UnionCredit union Odessa, TX58 out of 100, Moderate$70.3M9.3%1.07%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs
Service 1st Credit UnionCredit union Greenville, TX91 out of 100, Very strong$71.3M16.8%0.78%vs
Star of Texas Credit UnionCredit union Austin, TX66 out of 100, Moderate$71.6M22.3%3.79%vs
Scott and White Employees Credit UnionCredit union Temple, TX92 out of 100, Very strong$71.7M18.5%0.75%vs
Sacred Heart Parish Hallettsville Federal Credit UnionCredit union Hallettsville, TX70 out of 100, Strong$64.6M9.8%0.01%vs

Deposit insurance

Is my money safe at South Texas Federal Credit Union?

Yes. South Texas Federal Credit Union is a federally insured credit union (NCUA charter #8237). 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 8.57%, slightly 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

South Texas Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
South Texas Federal Credit Union
Type
Federal credit union
NCUA charter #
8237
RSSD ID
427380
Primary regulator
NCUA
Established
1952
Headquarters
Po Box 3309, McALLEN, TX 78502
Employees
26

Quick answers

South Texas Federal Credit Union: common questions

Is South Texas Federal Credit Union NCUA insured?

Yes. South Texas Federal Credit Union is a federally insured credit union (NCUA charter #8237). 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 South Texas Federal Credit Union's TellerScore?

47 out of 100 (Below average), 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 South Texas Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near McALLEN

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs