TellerScore

Texas Tech Federal Credit Union is a federal credit union headquartered in Lubbock, Texas, in business for about 67 years. At the end of Q2 2026 it reported $450.8M in total assets and $392.8M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Texas Tech Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 48% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 222nd. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (52/100; 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.73%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity73/100
Loans ÷ shares: 87.0% · 9.6% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.50%

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 (69 → 69).

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202465
Q1 202568
Q2 202569
Q3 202567
Q4 202567
Q1 202669
Q2 202669
Net worth ratio
7.00%8.87%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.52%
Q3 202410.55%
Q4 202410.57%
Q1 202510.56%
Q2 202510.60%
Q3 202510.52%
Q4 202510.54%
Q1 202610.55%
Q2 202610.73%
Delinquent loans (60+ days)
0.28%0.41%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.47%
Q4 20240.50%
Q1 20250.33%
Q2 20250.28%
Q3 20250.54%
Q4 20250.54%
Q1 20260.28%
Q2 20260.42%
Return on assets
0.37%0.59%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.38%
Q4 20240.37%
Q1 20250.39%
Q2 20250.47%
Q3 20250.59%
Q4 20250.62%
Q1 20260.52%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$450.8M10.73%0.42%0.80%87.0%
Q1 202669$447.0M10.55%0.28%0.52%80.8%
Q4 202567$442.2M10.54%0.54%0.62%80.2%
Q3 202567$435.4M10.52%0.54%0.59%81.4%
Q2 202569$423.1M10.60%0.28%0.47%83.6%
Q1 202568$419.7M10.56%0.33%0.39%80.9%
Q4 202465$415.6M10.57%0.50%0.37%83.3%
Q3 202465$412.6M10.55%0.47%0.38%86.7%
Q2 202465$410.4M10.52%0.47%0.40%88.2%

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 ratio10.73%
40th
Problem loans0.42%
72nd
Net charge-offs0.30%
58th
Return on assets0.80%
54th
Loans to deposits87.0%
24th
Uninsured deposits9.6%
19th
Loan-loss reserves0.00%
50th
Texas ratio6.5%
28th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
Education Credit UnionCredit union Amarillo, TX70 out of 100, Strong$469.2M12.6%0.64%vs
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%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

Deposit insurance

Is my money safe at Texas Tech Federal Credit Union?

Yes. Texas Tech Federal Credit Union is a federally insured credit union (NCUA charter #12858). 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 9.6% of shares and deposits ($37.8M) 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 10.73%, 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 Tech Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texas Tech Federal Credit Union reported 1,568 home-loan applications under HMDA (LEI 549300U2B1ZNGX3H8U54): 1,267 originated ($342,915,000 total), 16 denied, and 284 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.2%, 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 Tech Federal Credit Union
Type
Federal credit union
NCUA charter #
12858
RSSD ID
179586
Primary regulator
NCUA
Established
1959
Headquarters
Box 41072, Lubbock, TX 79409
Employees
147

Quick answers

Texas Tech Federal Credit Union: common questions

Is Texas Tech Federal Credit Union NCUA insured?

Yes. Texas Tech Federal Credit Union is a federally insured credit union (NCUA charter #12858). 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 Tech Federal Credit Union's TellerScore?

69 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 Tech Federal Credit Union have?

2 offices as of the latest NCUA data.