TellerScore

St. Luke'S Community Federal Credit Union is a federal credit union headquartered in Houston, Texas, in business for about 47 years. At the end of Q2 2026 it reported $1.9M in total assets and $1.7M in member shares and deposits, with 1 office.

St. Luke'S Community Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 347th. Funding & liquidity contributes the most (100/100, 44% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 3.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.73%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.03%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity100/100
Loans ÷ shares: 43.9% · 0.0% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.36%

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 (63 → 53), mostly because the loan quality component weakened by 24 points.

TellerScore
526068Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202457
Q4 202453
Q1 202553
Q2 202563
Q3 202568
Q4 202557
Q1 202652
Q2 202653
Net worth ratio
7.00%9.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.72%
Q3 202410.95%
Q4 202411.15%
Q1 202511.17%
Q2 202511.94%
Q3 202512.38%
Q4 202512.37%
Q1 202611.60%
Q2 202611.73%
Delinquent loans (60+ days)
2.03%5.30%8.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.74%
Q3 20243.45%
Q4 20248.57%
Q1 20257.18%
Q2 20252.27%
Q3 20252.03%
Q4 20253.31%
Q1 20264.52%
Q2 20263.03%
Return on assets
0.71%1.13%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.38%
Q4 20241.10%
Q1 20251.04%
Q2 20251.01%
Q3 20251.14%
Q4 20250.95%
Q1 20260.71%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$1.9M11.73%3.03%0.78%43.9%
Q1 202652$1.9M11.60%4.52%0.71%35.7%
Q4 202557$1.7M12.37%3.31%0.95%40.6%
Q3 202568$1.7M12.38%2.03%1.14%33.6%
Q2 202563$1.7M11.94%2.27%1.01%29.7%
Q1 202553$1.8M11.17%7.18%1.04%25.1%
Q4 202453$1.8M11.15%8.57%1.10%23.3%
Q3 202457$1.8M10.95%3.45%1.38%23.8%
Q2 202457$1.8M10.72%3.74%1.55%24.2%

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 ratio11.73%
29th
Problem loans3.03%
13th
Net charge-offs0.00%
77th
Return on assets0.78%
57th
Loans to deposits43.9%
73rd
Uninsured deposits0.0%
81st
Loan-loss reserves2.10%
90th
Texas ratio9.4%
15th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
American Baptist Association Credit UnionCredit union Angleton, TX60 out of 100, Moderate$1.8M8.4%0.00%vs
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W T N M Atlantic Federal Credit UnionCredit union Denver City, TX63 out of 100, Moderate$2.1M21.2%6.76%vs
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Salt Employees Federal Credit UnionCredit union Grand Saline, TX77 out of 100, Strong$1.5M44.7%0.00%vs
Lehrer Interests Credit UnionCredit union Garwood, TX86 out of 100, Very strong$2.3M21.4%0.00%vs

Deposit insurance

Is my money safe at St. Luke'S Community Federal Credit Union?

Yes. St. Luke'S Community Federal Credit Union is a federally insured credit union (NCUA charter #23525). 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 11.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

St. Luke'S Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
St. Luke'S Community Federal Credit Union
Type
Federal credit union
NCUA charter #
23525
RSSD ID
485483
Primary regulator
NCUA
Established
1979
Headquarters
11011 Hall Rd, Houston, TX 77089
Employees
1

Quick answers

St. Luke'S Community Federal Credit Union: common questions

Is St. Luke'S Community Federal Credit Union NCUA insured?

Yes. St. Luke'S Community Federal Credit Union is a federally insured credit union (NCUA charter #23525). 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 St. Luke'S Community Federal Credit Union's TellerScore?

53 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 St. Luke'S Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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