TellerScore

Texasgulf Federal Credit Union (NCUA charter #2322) is based in Wharton, Texas. Its Q2 2026 call report shows $220.5M in total assets and $189.3M in member shares and deposits and 2 offices.

Texasgulf Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 108th. Problem-loan coverage contributes the most (94/100, 3.0%); earnings contributes the least (54/100, 0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.27%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity88/100
Loans ÷ shares: 71.9% · 2.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.95%

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 fell 3 points (84 → 81), mostly because the earnings component weakened by 10 points.

TellerScore
818384Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202482
Q4 202481
Q1 202583
Q2 202584
Q3 202582
Q4 202583
Q1 202681
Q2 202681
Net worth ratio
7.00%10.63%14.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202414.06%
Q3 202413.82%
Q4 202413.68%
Q1 202513.53%
Q2 202514.12%
Q3 202514.00%
Q4 202514.16%
Q1 202613.98%
Q2 202614.27%
Delinquent loans (60+ days)
0.26%0.44%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.37%
Q4 20240.46%
Q1 20250.26%
Q2 20250.47%
Q3 20250.61%
Q4 20250.62%
Q1 20260.49%
Q2 20260.61%
Return on assets
0.76%0.94%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.76%
Q3 20240.80%
Q4 20240.80%
Q1 20250.95%
Q2 20251.11%
Q3 20251.08%
Q4 20251.13%
Q1 20260.77%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$220.5M14.27%0.61%0.85%71.9%
Q1 202681$221.5M13.98%0.49%0.77%70.4%
Q4 202583$215.5M14.16%0.62%1.13%74.2%
Q3 202582$213.3M14.00%0.61%1.08%73.2%
Q2 202584$207.5M14.12%0.47%1.11%73.1%
Q1 202583$211.6M13.53%0.26%0.95%70.5%
Q4 202481$205.7M13.68%0.46%0.80%69.7%
Q3 202482$200.9M13.82%0.37%0.80%69.1%
Q2 202483$194.5M14.06%0.28%0.76%71.0%

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 ratio14.27%
81st
Problem loans0.61%
55th
Net charge-offs0.20%
70th
Return on assets0.85%
58th
Loans to deposits71.9%
57th
Uninsured deposits2.7%
86th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
62nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Santa Fe Federal Credit UnionCredit union Amarillo, TX73 out of 100, Strong$214.8M12.9%0.48%vs
Beacon Federal Credit UnionCredit union La Porte, TX63 out of 100, Moderate$214.7M8.7%0.41%vs
Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX88 out of 100, Very strong$212.9M16.3%0.06%vs

Deposit insurance

Is my money safe at Texasgulf Federal Credit Union?

Yes. Texasgulf Federal Credit Union is a federally insured credit union (NCUA charter #2322). 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 2.7% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.27%, 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

Texasgulf Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • El Campo, TX (1)
  • Wharton, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Texasgulf Federal Credit Union
Type
Federal credit union
NCUA charter #
2322
RSSD ID
116376
Primary regulator
NCUA
Established
1937
Headquarters
2101 N Fulton st, Wharton, TX 77488
Employees
31

Quick answers

Texasgulf Federal Credit Union: common questions

Is Texasgulf Federal Credit Union NCUA insured?

Yes. Texasgulf Federal Credit Union is a federally insured credit union (NCUA charter #2322). 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 Texasgulf Federal Credit Union's TellerScore?

81 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 Texasgulf Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wharton

InstitutionScoreAssetsCapitalProblem loansCompare
Old Ocean Federal Credit UnionCredit union Sweeny, TX98 out of 100, Very strong$41.6M20.5%0.24%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
Lehrer Interests Credit UnionCredit union Garwood, TX86 out of 100, Very strong$2.3M21.4%0.00%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs