T E a Federal Credit Union is a federal credit union headquartered in Houma, Louisiana, in business for about 59 years. At the end of Q2 2026 it reported $2.5M in total assets and $2.3M in member shares and deposits, with 1 office.
T E a Federal Credit Union has a TellerScore of 30 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 134th. Funding & liquidity contributes the most (92/100, 69% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 3.10%).
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 26 points (56 → 30), mostly because the earnings component weakened by 94 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 36 |
| Q3 2024 | 26 |
| Q4 2024 | 29 |
| Q1 2025 | 64 |
| Q2 2025 | 56 |
| Q3 2025 | 53 |
| Q4 2025 | 68 |
| Q1 2026 | 43 |
| Q2 2026 | 30 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.10% |
| Q3 2024 | 7.36% |
| Q4 2024 | 7.38% |
| Q1 2025 | 8.78% |
| Q2 2025 | 8.05% |
| Q3 2025 | 8.09% |
| Q4 2025 | 8.22% |
| Q1 2026 | 8.09% |
| Q2 2026 | 8.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | 4.68% |
| Q4 2024 | 3.88% |
| Q1 2025 | 1.71% |
| Q2 2025 | 2.34% |
| Q3 2025 | 1.73% |
| Q4 2025 | 0.21% |
| Q1 2026 | 1.58% |
| Q2 2026 | 3.10% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.51% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.05% |
| Q1 2025 | 6.90% |
| Q2 2025 | 2.05% |
| Q3 2025 | 1.16% |
| Q4 2025 | 0.87% |
| Q1 2026 | -0.73% |
| Q2 2026 | -0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 30 | $2.5M | 8.08% | 3.10% | -0.36% | 68.6% |
| Q1 2026 | 43 | $2.5M | 8.09% | 1.58% | -0.73% | 64.1% |
| Q4 2025 | 68 | $2.5M | 8.22% | 0.21% | 0.87% | 64.0% |
| Q3 2025 | 53 | $2.5M | 8.09% | 1.73% | 1.16% | 66.3% |
| Q2 2025 | 56 | $2.6M | 8.05% | 2.34% | 2.05% | 65.3% |
| Q1 2025 | 64 | $2.6M | 8.78% | 1.71% | 6.90% | 68.7% |
| Q4 2024 | 29 | $2.5M | 7.38% | 3.88% | 0.05% | 72.3% |
| Q3 2024 | 26 | $2.5M | 7.36% | 4.68% | 0.02% | 77.1% |
| Q2 2024 | 36 | $2.5M | 7.10% | 1.78% | -0.51% | 77.6% |
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).
Similar-size credit unions in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| W B R T Federal Credit UnionCredit union Port Allen, LA | 46 out of 100, Below average | $2.4M | 24.6% | 10.77% | vs |
| Arabi Sugar Workers Federal Credit UnionCredit union New Orleans, LA | 52 out of 100, Below average | $2.0M | 38.6% | 12.08% | vs |
| Southeast Louisiana Veterans Health Federal Credit UnionCredit union New Orleans, LA | 67 out of 100, Moderate | $3.0M | 11.7% | 0.04% | vs |
| James Ward, Jr. Federal Credit UnionCredit union Jennings, LA | 62 out of 100, Moderate | $1.9M | 34.1% | 5.33% | vs |
| Concordia Parish School Emp Federal Credit UnionCredit union Ferriday, LA | 44 out of 100, Below average | $3.2M | 10.7% | 5.93% | vs |
| Xavier University Federal Credit UnionCredit union New Orleans, LA | 72 out of 100, Strong | $1.7M | 14.0% | 2.18% | vs |
Deposit insurance
Is my money safe at T E a Federal Credit Union?
Yes. T E a Federal Credit Union is a federally insured credit union (NCUA charter #18462). 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 8.08%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
T E a Federal Credit Union lists 1 office in 1 city. Most locations:
- Houma, LA (1)
Identity & history
Profile
- Legal name
- T E a Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 18462
- RSSD ID
- 739289
- Primary regulator
- NCUA
- Established
- 1967
- Headquarters
- PO Box 3380, Houma, LA 70361
- Employees
- 3
Quick answers
T E a Federal Credit Union: common questions
Is T E a Federal Credit Union NCUA insured?
Yes. T E a Federal Credit Union is a federally insured credit union (NCUA charter #18462). 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 T E a Federal Credit Union's TellerScore?
30 out of 100 (Low), 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 T E a Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Houma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
| United Community BankBank Raceland, LA | 83 out of 100, Strong | $665.5M | 14.5% | 0.73% | vs |
| Riverland Federal Credit UnionCredit union New Orleans, LA | 78 out of 100, Strong | $319.7M | 15.8% | 0.55% | vs |
| State Bank & Trust CompanyBank Golden Meadow, LA | 74 out of 100, Strong | $165.1M | 10.6% | 0.46% | vs |
| First American Bank and TrustBank Vacherie, LA | 73 out of 100, Strong | $1.4B | 13.8% | 1.28% | vs |