TellerScore

Texhillco School Employees Federal Credit Union (NCUA charter #11576) is based in Kerrville, Texas. Its Q2 2026 call report shows $26.7M in total assets and $23.3M in member shares and deposits and 2 offices across 2 states.

Based on its Q2 2026 filing, Texhillco School Employees Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 312th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (23/100; 0.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.93%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings23/100
Return on assets (annualized): 0.07%
Funding & liquidity64/100
Loans ÷ shares: 96.0% · 9.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.53%

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 7 points (51 → 58), mostly because the loan quality component improved by 36 points.

TellerScore
455463Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202456
Q1 202545
Q2 202551
Q3 202555
Q4 202553
Q1 202657
Q2 202658
Net worth ratio
7.00%9.28%11.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.43%
Q3 202411.50%
Q4 202411.55%
Q1 202510.99%
Q2 202510.37%
Q3 202510.21%
Q4 202510.04%
Q1 20269.70%
Q2 20269.93%
Delinquent loans (60+ days)
0.37%1.27%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.02%
Q3 20241.06%
Q4 20241.57%
Q1 20252.18%
Q2 20251.67%
Q3 20251.13%
Q4 20250.95%
Q1 20260.37%
Q2 20260.61%
Return on assets
-0.30%0.22%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.71%
Q4 20240.45%
Q1 20250.11%
Q2 20250.20%
Q3 20250.18%
Q4 2025-0.06%
Q1 2026-0.30%
Q2 20260.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$26.7M9.93%0.61%0.07%96.0%
Q1 202657$27.1M9.70%0.37%-0.30%91.4%
Q4 202553$26.3M10.04%0.95%-0.06%94.5%
Q3 202555$26.6M10.21%1.13%0.18%90.0%
Q2 202551$26.1M10.37%1.67%0.20%90.6%
Q1 202545$24.4M10.99%2.18%0.11%101.6%
Q4 202456$23.2M11.55%1.57%0.45%100.8%
Q3 202463$23.6M11.50%1.06%0.71%101.4%
Q2 202463$23.4M11.43%1.02%0.73%97.1%

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 ratio9.93%
16th
Problem loans0.61%
54th
Net charge-offs0.81%
18th
Return on assets0.07%
22nd
Loans to deposits96.0%
5th
Uninsured deposits9.8%
7th
Loan-loss reserves0.00%
37th
Texas ratio6.5%
22nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Yantis Federal Credit UnionCredit union Yantis, TX82 out of 100, Strong$26.8M13.4%0.01%vs
Dallas U.P. Employees Credit UnionCredit union Dallas, TX81 out of 100, Strong$27.2M24.3%1.54%vs
Anderson County Federal Credit UnionCredit union Palestine, TX78 out of 100, Strong$27.3M17.2%2.32%vs
The Local Federal Credit UnionCredit union Dallas, TX72 out of 100, Strong$25.8M21.2%0.57%vs
Concho Valley Credit UnionCredit union San Angelo, TX78 out of 100, Strong$25.7M11.4%0.14%vs
Shared Resources Credit UnionCredit union Pasadena, TX64 out of 100, Moderate$25.4M12.7%0.57%vs

Deposit insurance

Is my money safe at Texhillco School Employees Federal Credit Union?

Yes. Texhillco School Employees Federal Credit Union is a federally insured credit union (NCUA charter #11576). 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 9.8% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.93%, 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

Texhillco School Employees Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texhillco School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
11576
RSSD ID
846084
Primary regulator
NCUA
Established
1957
Headquarters
1018 Sidney Baker St, Kerrville, TX 78028
Employees
8

Quick answers

Texhillco School Employees Federal Credit Union: common questions

Is Texhillco School Employees Federal Credit Union NCUA insured?

Yes. Texhillco School Employees Federal Credit Union is a federally insured credit union (NCUA charter #11576). 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 Texhillco School Employees Federal Credit Union's TellerScore?

58 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 Texhillco School Employees Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Kerrville

InstitutionScoreAssetsCapitalProblem loansCompare
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
Peoples State BankBank Rocksprings, TX80 out of 100, Strong$140.0M11.0%0.10%vs
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SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs