TellerScore

Temple-Inland Federal Credit Union (NCUA charter #6726) is based in Diboll, Texas. Its Q2 2026 call report shows $20.1M in total assets and $16.7M in member shares and deposits.

Temple-Inland Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 67th. Capital cushion contributes the most (100/100, 18.28%); earnings contributes the least (58/100, 0.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.28%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity100/100
Loans ÷ shares: 44.7% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.38%

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 7 points (93 → 86), mostly because the loan quality component weakened by 23 points.

TellerScore
869094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202492
Q4 202489
Q1 202588
Q2 202593
Q3 202593
Q4 202594
Q1 202688
Q2 202686
Net worth ratio
7.00%12.64%18.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.86%
Q3 202416.18%
Q4 202416.87%
Q1 202516.94%
Q2 202517.33%
Q3 202517.57%
Q4 202517.69%
Q1 202617.90%
Q2 202618.28%
Delinquent loans (60+ days)
0.00%0.34%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.23%
Q2 20260.68%
Return on assets
0.45%0.83%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.98%
Q4 20240.68%
Q1 20250.45%
Q2 20251.08%
Q3 20251.18%
Q4 20251.21%
Q1 20260.70%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$20.1M18.28%0.68%0.94%44.7%
Q1 202688$20.2M17.90%0.23%0.70%45.1%
Q4 202594$20.2M17.69%0.00%1.21%44.1%
Q3 202593$20.0M17.57%0.00%1.18%45.6%
Q2 202593$19.9M17.33%0.00%1.08%43.4%
Q1 202588$19.9M16.94%0.00%0.45%42.8%
Q4 202489$19.8M16.87%0.00%0.68%43.1%
Q3 202492$20.3M16.18%0.00%0.98%43.0%
Q2 202492$20.4M15.86%0.00%0.98%43.9%

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 ratio18.28%
71st
Problem loans0.68%
51st
Net charge-offs0.02%
66th
Return on assets0.94%
65th
Loans to deposits44.7%
72nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texstar Federal Credit UnionCredit union Kenedy, TX53 out of 100, Below average$20.0M13.6%3.86%vs
Brazos Community Credit UnionCredit union Alvin, TX57 out of 100, Moderate$20.0M17.0%2.10%vs
Corner Stone Credit UnionCredit union Lancaster, TX59 out of 100, Moderate$20.0M9.4%0.53%vs
Port Arthur Community Federal Credit UnionCredit union Port Arthur, TX66 out of 100, Moderate$20.2M12.2%0.38%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Waco Federal Credit UnionCredit union Waco, TX64 out of 100, Moderate$20.3M10.2%1.43%vs

Deposit insurance

Is my money safe at Temple-Inland Federal Credit Union?

Yes. Temple-Inland Federal Credit Union is a federally insured credit union (NCUA charter #6726). 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 18.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Temple-Inland Federal Credit Union
Type
Federal credit union
NCUA charter #
6726
RSSD ID
814588
Primary regulator
NCUA
Established
1950
Headquarters
109 N Temple Dr, Diboll, TX 75941
Employees
4

Quick answers

Temple-Inland Federal Credit Union: common questions

Is Temple-Inland Federal Credit Union NCUA insured?

Yes. Temple-Inland Federal Credit Union is a federally insured credit union (NCUA charter #6726). 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 Temple-Inland Federal Credit Union's TellerScore?

86 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.