TellerScore

Texas Plains Federal Credit Union is a federal credit union headquartered in Amarillo, Texas, in business for about 86 years. At the end of Q2 2026 it reported $71.2M in total assets and $60.3M in member shares and deposits, with 5 offices.

Texas Plains Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 147th. Capital cushion contributes the most (93/100, 14.25%); earnings contributes the least (50/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.25%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.78%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity77/100
Loans ÷ shares: 83.0% · 3.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.68%

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 9 points (68 → 77), mostly because the earnings component improved by 28 points.

TellerScore
667278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202470
Q1 202566
Q2 202568
Q3 202573
Q4 202574
Q1 202672
Q2 202677
Net worth ratio
7.00%10.63%14.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.50%
Q3 202413.00%
Q4 202411.75%
Q1 202511.49%
Q2 202511.72%
Q3 202513.41%
Q4 202514.02%
Q1 202613.58%
Q2 202614.25%
Delinquent loans (60+ days)
0.14%0.48%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.14%
Q4 20240.35%
Q1 20250.48%
Q2 20250.32%
Q3 20250.46%
Q4 20250.82%
Q1 20260.79%
Q2 20260.78%
Return on assets
0.05%0.40%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.71%
Q4 20240.32%
Q1 20250.07%
Q2 20250.05%
Q3 20250.16%
Q4 20250.54%
Q1 20260.33%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$71.2M14.25%0.78%0.76%83.0%
Q1 202672$73.2M13.58%0.79%0.33%79.5%
Q4 202574$70.5M14.02%0.82%0.54%83.4%
Q3 202573$71.7M13.41%0.46%0.16%79.9%
Q2 202568$62.5M11.72%0.32%0.05%84.1%
Q1 202566$63.8M11.49%0.48%0.07%80.7%
Q4 202470$62.2M11.75%0.35%0.32%82.4%
Q3 202478$58.9M13.00%0.14%0.71%86.9%
Q2 202478$55.8M13.50%0.24%0.65%86.5%

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 ratio14.25%
50th
Problem loans0.78%
47th
Net charge-offs1.00%
14th
Return on assets0.76%
56th
Loans to deposits83.0%
16th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio4.7%
31st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Service 1st Credit UnionCredit union Greenville, TX91 out of 100, Very strong$71.3M16.8%0.78%vs
Star of Texas Credit UnionCredit union Austin, TX66 out of 100, Moderate$71.6M22.3%3.79%vs
Scott and White Employees Credit UnionCredit union Temple, TX92 out of 100, Very strong$71.7M18.5%0.75%vs
West Texas Credit UnionCredit union Odessa, TX58 out of 100, Moderate$70.3M9.3%1.07%vs
South Texas Federal Credit UnionCredit union McALLEN, TX47 out of 100, Below average$69.2M8.6%2.38%vs
Texan Sky Federal Credit UnionCredit union Dumas, TX82 out of 100, Strong$74.7M15.7%0.34%vs

Deposit insurance

Is my money safe at Texas Plains Federal Credit Union?

Yes. Texas Plains Federal Credit Union is a federally insured credit union (NCUA charter #3828). 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 3.3% of shares and deposits ($2.0M) 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 14.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Texas Plains Federal Credit Union lists 5 offices in 4 cities. Most locations:

  • Amarillo, TX (2)
  • Crosbyton, TX (1)
  • Fritch, TX (1)
  • Tulia, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Texas Plains Federal Credit Union
Type
Federal credit union
NCUA charter #
3828
RSSD ID
244279
Primary regulator
NCUA
Established
1940
Headquarters
PO Box 19550, Amarillo, TX 79114
Employees
34

Quick answers

Texas Plains Federal Credit Union: common questions

Is Texas Plains Federal Credit Union NCUA insured?

Yes. Texas Plains Federal Credit Union is a federally insured credit union (NCUA charter #3828). 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 Plains Federal Credit Union's TellerScore?

77 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 Plains Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amarillo

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs