Texas Dow Employees Credit Union is a federally insured state-chartered credit union headquartered in Houston, Texas, in business for about 72 years. At the end of Q2 2026 it reported $5.0B in total assets and $4.0B in member shares and deposits, with 18 offices.
Based on its Q2 2026 filing, Texas Dow Employees Credit Union scores 49/100, which we describe as below average. That is higher than only 5% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 357th. Its strongest component is problem-loan coverage (67/100; 16.3%), and its lowest is earnings (41/100; 0.52%).
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 rose 12 points (37 → 49), mostly because the loan quality component improved by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 43 |
| Q4 2024 | 38 |
| Q1 2025 | 42 |
| Q2 2025 | 37 |
| Q3 2025 | 41 |
| Q4 2025 | 41 |
| Q1 2026 | 50 |
| Q2 2026 | 49 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 9.95% |
| Q4 2024 | 10.05% |
| Q1 2025 | 9.91% |
| Q2 2025 | 10.11% |
| Q3 2025 | 10.25% |
| Q4 2025 | 9.87% |
| Q1 2026 | 9.86% |
| Q2 2026 | 10.17% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.80% |
| Q3 2024 | 2.15% |
| Q4 2024 | 2.57% |
| Q1 2025 | 2.01% |
| Q2 2025 | 2.85% |
| Q3 2025 | 2.56% |
| Q4 2025 | 2.21% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.24% |
| Q1 2025 | -0.00% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $5.0B | 10.17% | 1.77% | 0.52% | 108.3% |
| Q1 2026 | 50 | $5.1B | 9.86% | 1.50% | 0.43% | 106.5% |
| Q4 2025 | 41 | $5.0B | 9.87% | 2.21% | 0.35% | 111.1% |
| Q3 2025 | 41 | $4.9B | 10.25% | 2.56% | 0.53% | 111.6% |
| Q2 2025 | 37 | $4.9B | 10.11% | 2.85% | 0.40% | 107.6% |
| Q1 2025 | 42 | $4.8B | 9.91% | 2.01% | -0.00% | 104.4% |
| Q4 2024 | 38 | $4.8B | 10.05% | 2.57% | 0.24% | 105.0% |
| Q3 2024 | 43 | $4.8B | 9.95% | 2.15% | 0.30% | 103.5% |
| Q2 2024 | 47 | $4.8B | 9.99% | 1.80% | 0.41% | 105.3% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Rally Credit UnionCredit union Corpus Christi, TX | 76 out of 100, Strong | $4.8B | 14.0% | 0.75% | vs |
| Gecu Federal Credit UnionCredit union El Paso, TX | 75 out of 100, Strong | $4.7B | 13.6% | 1.00% | vs |
| Credit Human Federal Credit UnionCredit union San Antonio, TX | 43 out of 100, Below average | $4.3B | 7.3% | 1.09% | vs |
| University Federal Credit UnionCredit union Austin, TX | 60 out of 100, Moderate | $4.3B | 9.7% | 1.11% | vs |
| First Community Credit UnionCredit union Houston, TX | 58 out of 100, Moderate | $3.1B | 8.0% | 0.39% | vs |
Deposit insurance
Is my money safe at Texas Dow Employees Credit Union?
Yes. Texas Dow Employees Credit Union is a federally insured credit union (NCUA charter #60705). 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 4.9% of shares and deposits ($196.7M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.17%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
18 locations
Branches
Texas Dow Employees Credit Union lists 18 offices in 15 cities. Most locations:
- Victoria, TX (3)
- Houston, TX (2)
- Angleton, TX (1)
- Bay City, TX (1)
- Baytown, TX (1)
- Brazoria, TX (1)
- Cuero, TX (1)
- Edna, TX (1)
- Freeport, TX (1)
- Pasadena, TX (1)
- Pearland, TX (1)
- Port Lavaca, TX (1)
HMDA 2025
Mortgage lending
In 2025, Texas Dow Employees Credit Union reported 1,598 home-loan applications under HMDA (LEI 549300I7M2M0Q6LCLA63): 1,116 originated ($275,760,000 total), 200 denied, and 281 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, 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
- Texas Dow Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60705
- RSSD ID
- 434593
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 2000 Post Oak Blvd, Ste 2100, Houston, TX 77056
- Employees
- 785
Quick answers
Texas Dow Employees Credit Union: common questions
Is Texas Dow Employees Credit Union NCUA insured?
Yes. Texas Dow Employees Credit Union is a federally insured credit union (NCUA charter #60705). 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 Dow Employees Credit Union's TellerScore?
49 out of 100 (Below average), 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 Dow Employees Credit Union have?
18 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |