TellerScore

Headquartered in Austin, Texas, Texas Health Credit Union is a federally insured state-chartered credit union with $134.3M in total assets and $126.0M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1956.

Based on its Q2 2026 filing, Texas Health Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 248th. Its strongest component is funding & liquidity (97/100; 55% loans-to-deposits, 18% uninsured), and its lowest is loan quality (28/100; 2.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.77%
Loan quality28/100
Loans 60+ days delinquent ÷ total loans: 2.17%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity97/100
Loans ÷ shares: 55.3% · 17.8% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.16%

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 (67 → 66).

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202470
Q4 202465
Q1 202573
Q2 202567
Q3 202565
Q4 202562
Q1 202662
Q2 202666
Net worth ratio
7.00%10.38%13.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.13%
Q3 202412.37%
Q4 202412.68%
Q1 202513.01%
Q2 202513.03%
Q3 202512.87%
Q4 202512.51%
Q1 202612.75%
Q2 202613.77%
Delinquent loans (60+ days)
1.02%1.66%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.02%
Q3 20241.28%
Q4 20241.97%
Q1 20251.55%
Q2 20251.92%
Q3 20252.01%
Q4 20252.25%
Q1 20262.29%
Q2 20262.17%
Return on assets
0.65%1.05%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.14%
Q4 20241.19%
Q1 20251.45%
Q2 20251.24%
Q3 20251.02%
Q4 20250.83%
Q1 20260.70%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$134.3M13.77%2.17%0.65%55.3%
Q1 202662$143.7M12.75%2.29%0.70%57.4%
Q4 202562$144.4M12.51%2.25%0.83%59.6%
Q3 202565$139.3M12.87%2.01%1.02%64.5%
Q2 202567$135.9M13.03%1.92%1.24%67.7%
Q1 202573$133.3M13.01%1.55%1.45%70.7%
Q4 202465$133.0M12.68%1.97%1.19%71.9%
Q3 202470$132.7M12.37%1.28%1.14%71.4%
Q2 202472$132.2M12.13%1.02%1.15%72.0%

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 ratio13.77%
77th
Problem loans2.17%
5th
Net charge-offs1.54%
3rd
Return on assets0.65%
43rd
Loans to deposits55.3%
85th
Uninsured deposits17.8%
4th
Loan-loss reserves0.00%
50th
Texas ratio8.2%
20th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Laredo Federal Credit UnionCredit union Laredo, TX75 out of 100, Strong$136.6M11.3%0.35%vs
Eastex Credit UnionCredit union Evadale, TX81 out of 100, Strong$131.7M11.5%0.16%vs
Mtcu Credit UnionCredit union Midland, TX69 out of 100, Moderate$137.3M12.5%0.80%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
United Community Credit UnionCredit union Houston, TX69 out of 100, Moderate$127.9M12.0%1.05%vs

Deposit insurance

Is my money safe at Texas Health Credit Union?

Yes. Texas Health Credit Union is a federally insured credit union (NCUA charter #67452). 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 17.8% of shares and deposits ($22.5M) 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 13.77%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Texas Health Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texas Health Credit Union reported 34 home-loan applications under HMDA (LEI 549300WR7Z70C25QD821): 25 originated ($3,865,000 total), 5 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.6%, 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 Health Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67452
RSSD ID
633798
Primary regulator
State + NCUA
Established
1956
Headquarters
4800 Grover Ave, Austin, TX 78756
Employees
18

Quick answers

Texas Health Credit Union: common questions

Is Texas Health Credit Union NCUA insured?

Yes. Texas Health Credit Union is a federally insured credit union (NCUA charter #67452). 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 Health Credit Union's TellerScore?

66 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 Texas Health Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs