TellerScore

Headquartered in Tallahassee, Florida, T M H Federal Credit Union is a federal credit union with $87.4M in total assets and $77.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.

T M H Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 91st. Problem-loan coverage contributes the most (87/100, 6.4%); earnings contributes the least (24/100, 0.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.07%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings24/100
Return on assets (annualized): 0.10%
Funding & liquidity82/100
Loans ÷ shares: 78.3% · 5.7% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.35%

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 6 points (65 → 59), mostly because the earnings component weakened by 19 points.

TellerScore
596366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202464
Q1 202566
Q2 202565
Q3 202563
Q4 202563
Q1 202665
Q2 202659
Net worth ratio
7.00%8.62%10.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.97%
Q3 20249.95%
Q4 202410.09%
Q1 20259.93%
Q2 202510.24%
Q3 202510.21%
Q4 20259.97%
Q1 20269.92%
Q2 202610.07%
Delinquent loans (60+ days)
0.31%0.61%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.31%
Q4 20240.37%
Q1 20250.39%
Q2 20250.61%
Q3 20250.82%
Q4 20250.71%
Q1 20260.43%
Q2 20260.91%
Return on assets
0.08%0.32%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.08%
Q4 20240.17%
Q1 20250.49%
Q2 20250.57%
Q3 20250.56%
Q4 20250.45%
Q1 20260.30%
Q2 20260.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$87.4M10.07%0.91%0.10%78.3%
Q1 202665$89.0M9.92%0.43%0.30%75.9%
Q4 202563$87.9M9.97%0.71%0.45%79.2%
Q3 202563$86.5M10.21%0.82%0.56%81.3%
Q2 202565$85.1M10.24%0.61%0.57%81.8%
Q1 202566$86.4M9.93%0.39%0.49%79.7%
Q4 202464$84.0M10.09%0.37%0.17%83.0%
Q3 202463$85.2M9.95%0.31%0.08%83.3%
Q2 202462$85.3M9.97%0.47%0.16%85.3%

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 ratio10.07%
17th
Problem loans0.91%
42nd
Net charge-offs0.77%
18th
Return on assets0.10%
23rd
Loans to deposits78.3%
21st
Uninsured deposits5.7%
18th
Loan-loss reserves0.00%
37th
Texas ratio6.4%
23rd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
My Pensacola Federal Credit UnionCredit union Pensacola, FL85 out of 100, Very strong$89.1M17.9%0.29%vs
Memorial Employees Financial Credit UnionCredit union Hollywood, FL73 out of 100, Strong$92.5M11.1%0.18%vs
Ficare Federal Credit UnionCredit union Wesley Chapel, FL69 out of 100, Moderate$77.4M13.1%0.94%vs
Tampa Postal Federal Credit UnionCredit union Tampa, FL69 out of 100, Moderate$98.2M11.0%0.21%vs
Emerald Coast Federal Credit UnionCredit union Port St Joe, FL60 out of 100, Moderate$65.4M7.8%0.32%vs
Priority Credit UnionCredit union Orlando, FL32 out of 100, Low$56.1M8.6%3.17%vs

Deposit insurance

Is my money safe at T M H Federal Credit Union?

Yes. T M H Federal Credit Union is a federally insured credit union (NCUA charter #15175). 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 5.7% of shares and deposits ($4.4M) 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 10.07%, 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

T M H Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
T M H Federal Credit Union
Type
Federal credit union
NCUA charter #
15175
RSSD ID
1016781
Primary regulator
NCUA
Established
1962
Headquarters
345 S Magnolia Dr, Tallahassee, FL 32301
Employees
23

Quick answers

T M H Federal Credit Union: common questions

Is T M H Federal Credit Union NCUA insured?

Yes. T M H Federal Credit Union is a federally insured credit union (NCUA charter #15175). 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 M H Federal Credit Union's TellerScore?

59 out of 100 (Moderate), 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 M H Federal Credit Union have?

1 office as of the latest NCUA data.