TellerScore

Headquartered in Mansfield, Texas, Texas Trust Credit Union is a federally insured state-chartered credit union with $2.1B in total assets and $1.7B in member shares and deposits as of Q2 2026. It operates 22 offices. Its charter dates back to 1936.

Texas Trust Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 277th. Problem-loan coverage contributes the most (85/100, 7.3%); earnings contributes the least (44/100, 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.55%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity69/100
Loans ÷ shares: 91.1% · 7.7% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.32%

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 4 points (58 → 62), mostly because the earnings component improved by 9 points.

TellerScore
576062Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202459
Q1 202557
Q2 202558
Q3 202559
Q4 202560
Q1 202662
Q2 202662
Net worth ratio
7.00%8.81%10.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.14%
Q3 202410.05%
Q4 202410.34%
Q1 202510.17%
Q2 202510.33%
Q3 202510.37%
Q4 202510.47%
Q1 202610.62%
Q2 202610.55%
Delinquent loans (60+ days)
0.49%0.80%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20240.60%
Q4 20240.90%
Q1 20250.92%
Q2 20251.02%
Q3 20251.05%
Q4 20251.11%
Q1 20260.92%
Q2 20260.94%
Return on assets
0.16%0.38%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.18%
Q4 20240.33%
Q1 20250.16%
Q2 20250.37%
Q3 20250.44%
Q4 20250.61%
Q1 20260.59%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$2.1B10.55%0.94%0.60%91.1%
Q1 202662$2.1B10.62%0.92%0.59%90.0%
Q4 202560$2.1B10.47%1.11%0.61%89.9%
Q3 202559$2.0B10.37%1.05%0.44%90.2%
Q2 202558$2.0B10.33%1.02%0.37%91.3%
Q1 202557$2.0B10.17%0.92%0.16%89.6%
Q4 202459$2.0B10.34%0.90%0.33%91.0%
Q3 202460$2.0B10.05%0.60%0.18%91.3%
Q2 202461$2.0B10.14%0.49%0.19%93.5%

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).

Capital ratio10.55%
42nd
Problem loans0.94%
30th
Net charge-offs1.11%
9th
Return on assets0.60%
30th
Loans to deposits91.1%
40th
Uninsured deposits7.7%
66th
Loan-loss reserves0.00%
50th
Texas ratio7.3%
26th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Shell Federal Credit UnionCredit union Deer Park, TX79 out of 100, Strong$2.1B13.4%0.71%vs
Advancial Federal Credit UnionCredit union Dallas, TX43 out of 100, Below average$2.4B8.0%1.33%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
United Heritage Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.7B9.9%1.22%vs
Austin Telco Federal Credit UnionCredit union Austin, TX78 out of 100, Strong$2.5B14.0%0.35%vs
Texans Credit UnionCredit union Richardson, TX70 out of 100, Strong$2.6B11.1%0.69%vs

Deposit insurance

Is my money safe at Texas Trust Credit Union?

Yes. Texas Trust Credit Union is a federally insured credit union (NCUA charter #68434). 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 7.7% of shares and deposits ($130.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.55%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

22 locations

Branches

Texas Trust Credit Union lists 22 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texas Trust Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68434
RSSD ID
482277
Primary regulator
State + NCUA
Established
1936
Headquarters
PO Box 2260, Mansfield, TX 76063
Employees
334

Quick answers

Texas Trust Credit Union: common questions

Is Texas Trust Credit Union NCUA insured?

Yes. Texas Trust Credit Union is a federally insured credit union (NCUA charter #68434). 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 Trust Credit Union's TellerScore?

62 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 Trust Credit Union have?

22 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mansfield

InstitutionScoreAssetsCapitalProblem loansCompare
Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX97 out of 100, Very strong$18.5M20.1%0.00%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs