TellerScore

Starr County Teachers Federal Credit Union is a federal credit union headquartered in Rio Grande City, Texas, in business for about 58 years. At the end of Q2 2026 it reported $47.4M in total assets and $39.1M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Starr County Teachers Federal Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 26th. Its strongest component is capital cushion (100/100; 16.85%), and its lowest is loan quality (83/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.85%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings86/100
Return on assets (annualized): 1.64%
Funding & liquidity100/100
Loans ÷ shares: 22.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.57%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 93).

TellerScore
9397100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202493
Q4 202493
Q1 2025100
Q2 202594
Q3 202594
Q4 202595
Q1 202694
Q2 202693
Net worth ratio
7.00%12.04%17.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.49%
Q3 202415.99%
Q4 202416.40%
Q1 202515.93%
Q2 202516.26%
Q3 202516.67%
Q4 202517.07%
Q1 202616.90%
Q2 202616.85%
Delinquent loans (60+ days)
0.03%0.38%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.26%
Q4 20240.22%
Q1 20250.03%
Q2 20250.74%
Q3 20250.60%
Q4 20250.47%
Q1 20260.43%
Q2 20260.51%
Return on assets
1.36%1.77%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.38%
Q4 20241.36%
Q1 20252.19%
Q2 20252.02%
Q3 20251.89%
Q4 20251.84%
Q1 20261.68%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$47.4M16.85%0.51%1.64%22.7%
Q1 202694$46.2M16.90%0.43%1.68%23.9%
Q4 202595$44.5M17.07%0.47%1.84%25.4%
Q3 202594$44.5M16.67%0.60%1.89%25.5%
Q2 202594$44.5M16.26%0.74%2.02%25.8%
Q1 2025100$44.1M15.93%0.03%2.19%25.4%
Q4 202493$41.7M16.40%0.22%1.36%27.8%
Q3 202493$41.6M15.99%0.26%1.38%27.9%
Q2 202494$42.1M15.49%0.15%1.41%27.6%

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 ratio16.85%
64th
Problem loans0.51%
58th
Net charge-offs0.21%
46th
Return on assets1.64%
88th
Loans to deposits22.7%
94th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.6%
74th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lufkin Federal Credit UnionCredit union Lufkin, TX99 out of 100, Very strong$47.8M26.3%0.14%vs
Mountain Star Federal Credit UnionCredit union El Paso, TX83 out of 100, Strong$46.5M18.4%0.70%vs
Houston Highway Credit UnionCredit union Houston, TX64 out of 100, Moderate$48.4M10.9%1.14%vs
Star Financial Credit UnionCredit union Corpus Christi, TX70 out of 100, Strong$48.8M11.0%0.40%vs
Hockley County Credit UnionCredit union Levelland, TX63 out of 100, Moderate$45.4M9.4%0.65%vs
Cabot Community Credit UnionCredit union Pampa, TX84 out of 100, Strong$45.3M15.9%1.16%vs

Deposit insurance

Is my money safe at Starr County Teachers Federal Credit Union?

Yes. Starr County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #18559). 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 16.85%, well 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

Starr County Teachers Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Starr County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
18559
RSSD ID
615981
Primary regulator
NCUA
Established
1968
Headquarters
P. O. Box 367, Rio Grande City, TX 78582
Employees
13

Quick answers

Starr County Teachers Federal Credit Union: common questions

Is Starr County Teachers Federal Credit Union NCUA insured?

Yes. Starr County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #18559). 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 Starr County Teachers Federal Credit Union's TellerScore?

93 out of 100 (Very 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 Starr County Teachers Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rio Grande City

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Lone Star National BankBank Pharr, TX72 out of 100, Strong$3.3B12.9%1.06%vs
Texas National BankBank Mcallen, TX70 out of 100, Strong$1.2B10.2%0.28%vs
Rio BankBank Mcallen, TX66 out of 100, Moderate$1.4B10.0%0.53%vs
International Bank of CommerceBank Brownsville, TX64 out of 100, Moderate$4.6B14.5%9.17%vs