TellerScore

Texstar Federal Credit Union (NCUA charter #17953) is based in Kenedy, Texas. Its Q2 2026 call report shows $20.0M in total assets and $17.2M in member shares and deposits and 1 office.

Texstar Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 343rd. Funding & liquidity contributes the most (100/100, 31% loans-to-deposits, 4% uninsured); loan quality contributes the least (0/100, 3.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.59%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.86%
Earnings18/100
Return on assets (annualized): -0.04%
Funding & liquidity100/100
Loans ÷ shares: 30.9% · 4.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.14%

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 18 points (71 → 53), mostly because the loan quality component weakened by 77 points.

TellerScore
536678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202478
Q4 202477
Q1 202574
Q2 202571
Q3 202568
Q4 202560
Q1 202654
Q2 202653
Net worth ratio
7.00%10.29%13.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.03%
Q3 202411.69%
Q4 202411.78%
Q1 202511.86%
Q2 202512.03%
Q3 202512.30%
Q4 202512.99%
Q1 202613.59%
Q2 202613.59%
Delinquent loans (60+ days)
0.22%2.04%3.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.24%
Q4 20240.36%
Q1 20250.23%
Q2 20250.69%
Q3 20251.34%
Q4 20252.38%
Q1 20263.77%
Q2 20263.86%
Return on assets
-0.04%0.37%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.72%
Q3 20240.79%
Q4 20240.70%
Q1 20250.20%
Q2 20250.25%
Q3 20250.42%
Q4 20250.33%
Q1 20260.09%
Q2 2026-0.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$20.0M13.59%3.86%-0.04%30.9%
Q1 202654$20.0M13.59%3.77%0.09%30.1%
Q4 202560$20.9M12.99%2.38%0.33%29.5%
Q3 202568$22.1M12.30%1.34%0.42%27.5%
Q2 202571$22.3M12.03%0.69%0.25%27.4%
Q1 202574$22.5M11.86%0.23%0.20%27.8%
Q4 202477$22.6M11.78%0.36%0.70%28.7%
Q3 202478$22.5M11.69%0.24%0.79%29.0%
Q2 202476$23.4M11.03%0.22%0.72%28.1%

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 ratio13.59%
44th
Problem loans3.86%
9th
Net charge-offs0.09%
58th
Return on assets-0.04%
18th
Loans to deposits30.9%
88th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio8.1%
17th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Brazos Community Credit UnionCredit union Alvin, TX57 out of 100, Moderate$20.0M17.0%2.10%vs
Corner Stone Credit UnionCredit union Lancaster, TX59 out of 100, Moderate$20.0M9.4%0.53%vs
Temple-Inland Federal Credit UnionCredit union Diboll, TX86 out of 100, Very strong$20.1M18.3%0.68%vs
Port Arthur Community Federal Credit UnionCredit union Port Arthur, TX66 out of 100, Moderate$20.2M12.2%0.38%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Waco Federal Credit UnionCredit union Waco, TX64 out of 100, Moderate$20.3M10.2%1.43%vs

Deposit insurance

Is my money safe at Texstar Federal Credit Union?

Yes. Texstar Federal Credit Union is a federally insured credit union (NCUA charter #17953). 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 4.0% of shares and deposits ($696K) 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 13.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Texstar Federal Credit Union lists 1 office in 1 city. Most locations:

  • Kenedy, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Texstar Federal Credit Union
Type
Federal credit union
NCUA charter #
17953
RSSD ID
664680
Primary regulator
NCUA
Established
1967
Headquarters
141 Park Place Blvd, Kenedy, TX 78119
Employees
4

Quick answers

Texstar Federal Credit Union: common questions

Is Texstar Federal Credit Union NCUA insured?

Yes. Texstar Federal Credit Union is a federally insured credit union (NCUA charter #17953). 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 Texstar Federal Credit Union's TellerScore?

53 out of 100 (Below average), 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 Texstar Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kenedy

InstitutionScoreAssetsCapitalProblem loansCompare
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
The Falls City National BankBank Falls City, TX69 out of 100, Moderate$597.1M16.3%3.22%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs
Woodforest National BankBank The Woodlands, TX60 out of 100, Moderate$9.0B9.3%1.93%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs
The Karnes County National Bank of Karnes CityBank Karnes City, TX46 out of 100, Below average$577.4M10.8%2.15%vs