TellerScore

South Texas Regional Federal Credit Union (NCUA charter #7024) is based in Laredo, Texas. Its Q2 2026 call report shows $5.7M in total assets and $4.8M in member shares and deposits and 3 offices.

South Texas Regional Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 98th. Capital cushion contributes the most (100/100, 15.47%); earnings contributes the least (39/100, 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.47%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity80/100
Loans ÷ shares: 80.5% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.67%

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 3 points (80 → 83), mostly because the capital cushion component improved by 7 points.

TellerScore
717783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202481
Q4 202482
Q1 202579
Q2 202580
Q3 202580
Q4 202575
Q1 202671
Q2 202683
Net worth ratio
7.00%11.32%15.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.83%
Q3 202413.37%
Q4 202414.67%
Q1 202514.51%
Q2 202514.30%
Q3 202514.29%
Q4 202514.36%
Q1 202615.64%
Q2 202615.47%
Delinquent loans (60+ days)
0.11%0.91%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.23%
Q4 20240.52%
Q1 20250.12%
Q2 20250.16%
Q3 20250.19%
Q4 20250.62%
Q1 20261.72%
Q2 20260.15%
Return on assets
0.20%0.58%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.97%
Q4 20240.96%
Q1 20250.20%
Q2 20250.31%
Q3 20250.34%
Q4 20250.28%
Q1 20260.77%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$5.7M15.47%0.15%0.47%80.5%
Q1 202671$5.6M15.64%1.72%0.77%82.6%
Q4 202575$5.6M14.36%0.62%0.28%85.5%
Q3 202580$5.6M14.29%0.19%0.34%81.5%
Q2 202580$5.6M14.30%0.16%0.31%82.5%
Q1 202579$5.5M14.51%0.12%0.20%84.5%
Q4 202482$5.4M14.67%0.52%0.96%84.7%
Q3 202481$5.8M13.37%0.23%0.97%85.2%
Q2 202477$5.9M12.83%0.11%0.62%87.2%

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 ratio15.47%
57th
Problem loans0.15%
76th
Net charge-offs0.16%
51st
Return on assets0.47%
40th
Loans to deposits80.5%
19th
Uninsured deposits0.0%
81st
Loan-loss reserves0.20%
74th
Texas ratio0.7%
72nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
S.T.E.C. Federal Credit UnionCredit union Nursery, TX79 out of 100, Strong$5.5M30.9%0.44%vs
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs
Redeemer Federal Credit UnionCredit union Plano, TX59 out of 100, Moderate$5.4M27.5%2.75%vs
Pampa Municipal Credit UnionCredit union Pampa, TX68 out of 100, Moderate$5.4M14.1%1.63%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Frio County Federal Credit UnionCredit union Pearsall, TX67 out of 100, Moderate$5.3M37.4%0.63%vs

Deposit insurance

Is my money safe at South Texas Regional Federal Credit Union?

Yes. South Texas Regional Federal Credit Union is a federally insured credit union (NCUA charter #7024). 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 15.47%, 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

South Texas Regional Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
South Texas Regional Federal Credit Union
Type
Federal credit union
NCUA charter #
7024
RSSD ID
405687
Primary regulator
NCUA
Established
1950
Headquarters
PO Box 1556, Laredo, TX 78042
Employees
3

Quick answers

South Texas Regional Federal Credit Union: common questions

Is South Texas Regional Federal Credit Union NCUA insured?

Yes. South Texas Regional Federal Credit Union is a federally insured credit union (NCUA charter #7024). 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 Regional Federal 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 South Texas Regional Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Laredo

InstitutionScoreAssetsCapitalProblem loansCompare
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
Laredo Federal Credit UnionCredit union Laredo, TX75 out of 100, Strong$136.6M11.3%0.35%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs