TellerScore

Headquartered in Texarkana, Texas, Texar Federal Credit Union is a federal credit union with $440.5M in total assets and $335.3M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1951.

Based on its Q2 2026 filing, Texar Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 107th. Its strongest component is capital cushion (100/100; 16.42%), and its lowest is earnings (52/100; 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.42%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity84/100
Loans ÷ shares: 76.5% · 9.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.87%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 81).

TellerScore
788082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202479
Q1 202579
Q2 202580
Q3 202581
Q4 202581
Q1 202682
Q2 202681
Net worth ratio
7.00%11.71%16.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.50%
Q3 202414.89%
Q4 202415.91%
Q1 202515.66%
Q2 202515.88%
Q3 202515.92%
Q4 202515.81%
Q1 202616.04%
Q2 202616.42%
Delinquent loans (60+ days)
0.51%0.61%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.65%
Q4 20240.57%
Q1 20250.53%
Q2 20250.57%
Q3 20250.51%
Q4 20250.55%
Q1 20260.51%
Q2 20260.72%
Return on assets
0.22%0.51%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.37%
Q4 20240.38%
Q1 20250.22%
Q2 20250.39%
Q3 20250.43%
Q4 20250.50%
Q1 20260.69%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$440.5M16.42%0.72%0.79%76.5%
Q1 202682$444.7M16.04%0.51%0.69%77.4%
Q4 202581$446.4M15.81%0.55%0.50%76.9%
Q3 202581$438.7M15.92%0.51%0.43%74.2%
Q2 202580$436.3M15.88%0.57%0.39%74.4%
Q1 202579$438.6M15.66%0.53%0.22%72.2%
Q4 202479$430.2M15.91%0.57%0.38%76.6%
Q3 202478$458.3M14.89%0.65%0.37%76.4%
Q2 202478$467.8M14.50%0.52%0.38%78.8%

1,341 peers · $100 million – $1 billion

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 ratio16.42%
91st
Problem loans0.72%
48th
Net charge-offs0.34%
52nd
Return on assets0.79%
54th
Loans to deposits76.5%
49th
Uninsured deposits9.9%
17th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
64th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Texas Tech Federal Credit UnionCredit union Lubbock, TX69 out of 100, Moderate$450.8M10.7%0.42%vs
America'S Credit UnionCredit union Garland, TX76 out of 100, Strong$427.6M15.0%0.59%vs
1st Community Federal Credit UnionCredit union San Angelo, TX58 out of 100, Moderate$421.8M13.6%3.73%vs
McT Credit UnionCredit union Port Neches, TX69 out of 100, Moderate$415.2M10.1%0.29%vs
Education Credit UnionCredit union Amarillo, TX70 out of 100, Strong$469.2M12.6%0.64%vs

Deposit insurance

Is my money safe at Texar Federal Credit Union?

Yes. Texar Federal Credit Union is a federally insured credit union (NCUA charter #24567). 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 9.9% of shares and deposits ($33.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Texar Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texar Federal Credit Union reported 87 home-loan applications under HMDA (LEI 549300U1HSN2YJRJ0U33): 77 originated ($10,055,000 total), 6 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Texar Federal Credit Union
Type
Federal credit union
NCUA charter #
24567
RSSD ID
1098
Primary regulator
NCUA
Established
1951
Headquarters
2301 Richmond Rd, Texarkana, TX 75503
Employees
67

Quick answers

Texar Federal Credit Union: common questions

Is Texar Federal Credit Union NCUA insured?

Yes. Texar Federal Credit Union is a federally insured credit union (NCUA charter #24567). 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 Texar Federal Credit Union's TellerScore?

81 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 Texar Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Texarkana

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
Morris Sheppard Texarkana Federal Credit UnionCredit union Texarkana, TX76 out of 100, Strong$13.2M11.6%0.45%vs