TellerScore

Texas Community Federal Credit Union (NCUA charter #1879) is based in Kingsville, Texas. Its Q2 2026 call report shows $30.1M in total assets and $25.4M in member shares and deposits and 1 office.

Texas Community Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 130th. Capital cushion contributes the most (97/100, 14.65%); loan quality contributes the least (57/100, 1.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.65%
Loan quality57/100
Loans 60+ days delinquent ÷ total loans: 1.29%
Earnings82/100
Return on assets (annualized): 1.55%
Funding & liquidity72/100
Loans ÷ shares: 87.9% · 12.9% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.52%

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 rose 11 points (68 → 79), mostly because the loan quality component improved by 32 points.

TellerScore
586979Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202473
Q4 202462
Q1 202569
Q2 202568
Q3 202563
Q4 202558
Q1 202658
Q2 202679
Net worth ratio
7.00%11.12%15.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.65%
Q3 202415.23%
Q4 202414.64%
Q1 202514.50%
Q2 202514.80%
Q3 202515.09%
Q4 202513.69%
Q1 202613.26%
Q2 202614.65%
Delinquent loans (60+ days)
1.29%2.18%3.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.50%
Q3 20241.99%
Q4 20243.04%
Q1 20252.16%
Q2 20252.25%
Q3 20253.07%
Q4 20252.96%
Q1 20261.47%
Q2 20261.29%
Return on assets
-0.62%0.46%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20241.41%
Q4 20241.23%
Q1 20251.21%
Q2 20251.04%
Q3 20251.35%
Q4 20251.00%
Q1 2026-0.62%
Q2 20261.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$30.1M14.65%1.29%1.55%87.9%
Q1 202658$31.1M13.26%1.47%-0.62%81.4%
Q4 202558$30.5M13.69%2.96%1.00%77.0%
Q3 202563$27.7M15.09%3.07%1.35%84.3%
Q2 202568$27.3M14.80%2.25%1.04%83.7%
Q1 202569$27.5M14.50%2.16%1.21%80.8%
Q4 202462$26.7M14.64%3.04%1.23%80.2%
Q3 202473$25.6M15.23%1.99%1.41%87.7%
Q2 202470$25.3M14.65%1.50%0.67%87.8%

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 ratio14.65%
52nd
Problem loans1.29%
32nd
Net charge-offs0.90%
16th
Return on assets1.55%
86th
Loans to deposits87.9%
11th
Uninsured deposits12.9%
4th
Loan-loss reserves0.00%
37th
Texas ratio6.5%
22nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
United Energy Credit UnionCredit union Humble, TX77 out of 100, Strong$30.0M16.5%0.55%vs
Alcon Employees Federal Credit UnionCredit union Fort Worth, TX78 out of 100, Strong$29.9M21.7%0.07%vs
Valwood Park Federal Credit UnionCredit union Carrollton, TX67 out of 100, Moderate$29.7M10.1%0.41%vs
United Credit UnionCredit union Tyler, TX58 out of 100, Moderate$29.6M7.1%0.64%vs
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
U. S. I. Federal Credit UnionCredit union Deer Park, TX67 out of 100, Moderate$29.4M18.0%1.31%vs

Deposit insurance

Is my money safe at Texas Community Federal Credit Union?

Yes. Texas Community Federal Credit Union is a federally insured credit union (NCUA charter #1879). 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 12.9% of shares and deposits ($3.3M) 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 14.65%, well 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

Texas Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texas Community Federal Credit Union
Type
Federal credit union
NCUA charter #
1879
RSSD ID
156073
Primary regulator
NCUA
Established
1937
Headquarters
605 E Caesar Ave, Kingsville, TX 78363
Employees
12

Quick answers

Texas Community Federal Credit Union: common questions

Is Texas Community Federal Credit Union NCUA insured?

Yes. Texas Community Federal Credit Union is a federally insured credit union (NCUA charter #1879). 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 Texas Community Federal Credit Union's TellerScore?

79 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 Texas Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kingsville

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
The First National Bank in FalfurriasBank Falfurrias, TX79 out of 100, Strong$79.4M9.8%0.08%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs
Greater State BankBank Mcallen, TX75 out of 100, Strong$180.2M11.1%0.05%vs
Chemcel Federal Credit UnionCredit union Bishop, TX74 out of 100, Strong$184.0M12.1%0.75%vs