Swemp Federal Credit Union is a federal credit union headquartered in Texarkana, Texas, in business for about 80 years. At the end of Q2 2026 it reported $12.9M in total assets and $10.4M in member shares and deposits, with 1 office.
Swemp Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 172nd. Capital cushion contributes the most (100/100, 19.49%); earnings contributes the least (42/100, 0.55%).
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 fell 12 points (87 → 75), mostly because the loan quality component weakened by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 93 |
| Q2 2025 | 87 |
| Q3 2025 | 81 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.95% |
| Q3 2024 | 20.01% |
| Q4 2024 | 20.65% |
| Q1 2025 | 20.62% |
| Q2 2025 | 19.82% |
| Q3 2025 | 20.28% |
| Q4 2025 | 20.99% |
| Q1 2026 | 20.51% |
| Q2 2026 | 19.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.89% |
| Q2 2026 | 1.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.75% |
| Q1 2025 | 2.25% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.09% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $12.9M | 19.49% | 1.04% | 0.55% | 88.3% |
| Q1 2026 | 77 | $12.3M | 20.51% | 0.89% | 0.84% | 95.5% |
| Q4 2025 | 77 | $11.8M | 20.99% | 0.94% | 0.94% | 98.1% |
| Q3 2025 | 81 | $12.2M | 20.28% | 0.66% | 1.09% | 96.6% |
| Q2 2025 | 87 | $12.3M | 19.82% | 0.10% | 1.08% | 93.5% |
| Q1 2025 | 93 | $11.6M | 20.62% | 0.11% | 2.25% | 96.8% |
| Q4 2024 | 79 | $11.5M | 20.65% | 0.55% | 0.75% | 100.8% |
| Q3 2024 | 80 | $11.7M | 20.01% | 0.42% | 0.59% | 94.3% |
| Q2 2024 | 80 | $11.6M | 19.95% | 0.20% | 0.28% | 92.2% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| Morris Sheppard Texarkana Federal Credit UnionCredit union Texarkana, TX | 76 out of 100, Strong | $13.2M | 11.6% | 0.45% | vs |
| Scurry County School Federal Credit UnionCredit union Snyder, TX | 71 out of 100, Strong | $13.2M | 13.9% | 0.53% | vs |
| Coastal Bend P O Federal Credit UnionCredit union Victoria, TX | 59 out of 100, Moderate | $12.5M | 27.1% | 3.73% | vs |
| Pasadena Municipal Federal Credit UnionCredit union Pasadena, TX | 73 out of 100, Strong | $12.4M | 21.3% | 0.71% | vs |
| Employees United Federal Credit UnionCredit union Paris, TX | 92 out of 100, Very strong | $12.4M | 32.7% | 0.08% | vs |
Deposit insurance
Is my money safe at Swemp Federal Credit Union?
Yes. Swemp Federal Credit Union is a federally insured credit union (NCUA charter #5325). 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 4.3% of shares and deposits ($446K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 19.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Swemp Federal Credit Union lists 1 office in 1 city. Most locations:
- Texarkana, TX (1)
Identity & history
Profile
- Legal name
- Swemp Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5325
- RSSD ID
- 964371
- Primary regulator
- NCUA
- Established
- 1946
- Headquarters
- 601 Olive St, Texarkana, TX 75501
- Employees
- 4
Quick answers
Swemp Federal Credit Union: common questions
Is Swemp Federal Credit Union NCUA insured?
Yes. Swemp Federal Credit Union is a federally insured credit union (NCUA charter #5325). 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 Swemp Federal Credit Union's TellerScore?
75 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 Swemp Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Texarkana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Domino Federal Credit UnionCredit union Texarkana, TX | 96 out of 100, Very strong | $86.6M | 17.5% | 0.35% | vs |
| Federal Employees Credit UnionCredit union Texarkana, TX | 83 out of 100, Strong | $2.9M | 22.9% | 0.00% | vs |
| State Bank of De KalbBank De Kalb, TX | 82 out of 100, Strong | $519.9M | 12.2% | 0.24% | vs |
| Texar Federal Credit UnionCredit union Texarkana, TX | 81 out of 100, Strong | $440.5M | 16.4% | 0.72% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| Red River Employees Federal Credit UnionCredit union Texarkana, TX | 77 out of 100, Strong | $1.6B | 13.9% | 0.94% | vs |