Headquartered in Sweetwater, Texas, Sweetwater Regional Federal Credit Union is a federal credit union with $6.6M in total assets and $5.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1956.
Sweetwater Regional Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 132nd. Capital cushion contributes the most (100/100, 19.51%); earnings contributes the least (0/100, -0.61%).
TellerScore · Q2 2026
Scorecard
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 loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 74 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 76 |
| Q3 2025 | 81 |
| Q4 2025 | 78 |
| Q1 2026 | 75 |
| Q2 2026 | 79 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.99% |
| Q3 2024 | 19.70% |
| Q4 2024 | 19.84% |
| Q1 2025 | 19.55% |
| Q2 2025 | 20.12% |
| Q3 2025 | 19.42% |
| Q4 2025 | 20.58% |
| Q1 2026 | 19.88% |
| Q2 2026 | 19.51% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.62% |
| Q3 2024 | -1.35% |
| Q4 2024 | -1.45% |
| Q1 2025 | -0.89% |
| Q2 2025 | -0.73% |
| Q3 2025 | -0.41% |
| Q4 2025 | -0.23% |
| Q1 2026 | -0.53% |
| Q2 2026 | -0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $6.6M | 19.51% | 0.11% | -0.61% | 51.5% |
| Q1 2026 | 75 | $6.5M | 19.88% | 0.57% | -0.53% | 53.3% |
| Q4 2025 | 78 | $6.4M | 20.58% | 0.55% | -0.23% | 57.1% |
| Q3 2025 | 81 | $6.7M | 19.42% | 0.00% | -0.41% | 57.6% |
| Q2 2025 | 76 | $6.5M | 20.12% | 0.51% | -0.73% | 51.3% |
| Q1 2025 | 80 | $6.7M | 19.55% | 0.00% | -0.89% | 51.1% |
| Q4 2024 | 80 | $6.7M | 19.84% | 0.00% | -1.45% | 55.0% |
| Q3 2024 | 74 | $6.9M | 19.70% | 0.64% | -1.35% | 52.6% |
| Q2 2024 | 72 | $6.8M | 19.99% | 0.92% | -1.62% | 50.5% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sherwin Federal Credit UnionCredit union Portland, TX | 76 out of 100, Strong | $6.6M | 34.4% | 0.00% | vs |
| Andrews School Federal Credit UnionCredit union Andrews, TX | 84 out of 100, Strong | $6.7M | 28.2% | 0.47% | vs |
| Coburn Credit UnionCredit union Beaumont, TX | 53 out of 100, Below average | $6.5M | 22.3% | 4.97% | vs |
| Galveston Government Employees Credit UnionCredit union Dickinson, TX | 32 out of 100, Low | $6.8M | 9.3% | 3.07% | vs |
| Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX | 83 out of 100, Strong | $6.9M | 31.9% | 0.40% | vs |
| Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX | 80 out of 100, Strong | $7.0M | 14.7% | 0.06% | vs |
Deposit insurance
Is my money safe at Sweetwater Regional Federal Credit Union?
Yes. Sweetwater Regional Federal Credit Union is a federally insured credit union (NCUA charter #11377). 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 19.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Sweetwater Regional Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Abilene, TX (1)
- Sweetwater, TX (1)
Identity & history
Profile
- Legal name
- Sweetwater Regional Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11377
- RSSD ID
- 968388
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- PO Box 218, Sweetwater, TX 79556
- Employees
- 3
Quick answers
Sweetwater Regional Federal Credit Union: common questions
Is Sweetwater Regional Federal Credit Union NCUA insured?
Yes. Sweetwater Regional Federal Credit Union is a federally insured credit union (NCUA charter #11377). 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 Sweetwater Regional 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 Sweetwater Regional Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sweetwater
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| Texas National BankBank Sweetwater, TX | 74 out of 100, Strong | $139.1M | 11.0% | 0.00% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| Lone Oak Bank, National AssociationBank Eldorado, TX | 67 out of 100, Moderate | $119.6M | 15.3% | 3.08% | vs |
| Cornerstone Capital Bank, SSBBank Houston, TX | 32 out of 100, Low | $3.7B | 10.3% | 3.62% | vs |