TellerScore

Headquartered in San Antonio, Texas, Southwest Research Center Federal Credit Union is a federal credit union with $87.6M in total assets and $77.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Southwest Research Center Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 128th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (66/100; 11.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.55%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity100/100
Loans ÷ shares: 54.2% · 2.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.07%

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 (76 → 79), mostly because the capital cushion component improved by 9 points.

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202474
Q1 202571
Q2 202576
Q3 202576
Q4 202575
Q1 202677
Q2 202679
Net worth ratio
7.00%9.28%11.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.18%
Q3 202410.60%
Q4 202410.43%
Q1 202510.35%
Q2 202510.69%
Q3 202510.90%
Q4 202511.21%
Q1 202611.40%
Q2 202611.55%
Delinquent loans (60+ days)
0.20%0.43%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.26%
Q4 20240.31%
Q1 20250.67%
Q2 20250.34%
Q3 20250.52%
Q4 20250.63%
Q1 20260.35%
Q2 20260.50%
Return on assets
0.76%0.96%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.86%
Q4 20240.80%
Q1 20250.92%
Q2 20250.97%
Q3 20251.07%
Q4 20251.01%
Q1 20260.91%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$87.6M11.55%0.50%1.16%54.2%
Q1 202677$86.0M11.40%0.35%0.91%53.3%
Q4 202575$85.8M11.21%0.63%1.01%55.6%
Q3 202576$86.9M10.90%0.52%1.07%54.8%
Q2 202576$86.0M10.69%0.34%0.97%54.6%
Q1 202571$86.7M10.35%0.67%0.92%52.9%
Q4 202474$84.1M10.43%0.31%0.80%55.7%
Q3 202475$81.7M10.60%0.26%0.86%54.0%
Q2 202474$83.0M10.18%0.20%0.76%52.6%

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 ratio11.55%
28th
Problem loans0.50%
59th
Net charge-offs0.23%
44th
Return on assets1.16%
74th
Loans to deposits54.2%
57th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
U. S. Employees Credit UnionCredit union Tomball, TX74 out of 100, Strong$86.4M10.4%0.20%vs
Westex Federal Credit UnionCredit union Lubbock, TX52 out of 100, Below average$88.9M9.3%1.84%vs
Southland Federal Credit UnionCredit union Lufkin, TX85 out of 100, Very strong$89.2M14.4%0.62%vs
Irving City Employees Federal Credit UnionCredit union Irving, TX86 out of 100, Very strong$85.8M12.0%0.56%vs
Southwest Financial Federal Credit UnionCredit union Farmers Branch, TX72 out of 100, Strong$85.3M15.2%0.95%vs

Deposit insurance

Is my money safe at Southwest Research Center Federal Credit Union?

Yes. Southwest Research Center Federal Credit Union is a federally insured credit union (NCUA charter #10913). 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 2.5% of shares and deposits ($1.9M) 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 11.55%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Southwest Research Center Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southwest Research Center Federal Credit Union
Type
Federal credit union
NCUA charter #
10913
RSSD ID
217983
Primary regulator
NCUA
Established
1956
Headquarters
7215 Culebra Rd, San Antonio, TX 78251
Employees
13

Quick answers

Southwest Research Center Federal Credit Union: common questions

Is Southwest Research Center Federal Credit Union NCUA insured?

Yes. Southwest Research Center Federal Credit Union is a federally insured credit union (NCUA charter #10913). 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 Southwest Research Center Federal Credit Union's TellerScore?

79 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 Southwest Research Center Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Antonio

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Bandera BankBank Bandera, TX89 out of 100, Very strong$89.3M12.3%0.30%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs