TellerScore

Headquartered in Amarillo, Texas, The People'S Federal Credit Union is a federal credit union with $229.0M in total assets and $210.1M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1953.

The People'S Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 307th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 1% uninsured); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.06%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.15%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity91/100
Loans ÷ shares: 69.1% · 1.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.72%

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 3 points (55 → 58), mostly because the loan quality component improved by 10 points.

TellerScore
535760Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202458
Q4 202453
Q1 202557
Q2 202555
Q3 202553
Q4 202554
Q1 202657
Q2 202658
Net worth ratio
7.00%8.10%9.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.20%
Q3 20249.20%
Q4 20249.03%
Q1 20259.08%
Q2 20259.14%
Q3 20259.15%
Q4 20258.97%
Q1 20268.99%
Q2 20269.06%
Delinquent loans (60+ days)
0.75%1.17%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.97%
Q4 20241.32%
Q1 20251.28%
Q2 20251.44%
Q3 20251.58%
Q4 20251.27%
Q1 20261.17%
Q2 20261.15%
Return on assets
0.14%0.33%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.20%
Q4 20240.14%
Q1 20250.51%
Q2 20250.51%
Q3 20250.46%
Q4 20250.38%
Q1 20260.42%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$229.0M9.06%1.15%0.52%69.1%
Q1 202657$224.7M8.99%1.17%0.42%68.7%
Q4 202554$221.2M8.97%1.27%0.38%72.9%
Q3 202553$218.0M9.15%1.58%0.46%68.3%
Q2 202555$216.1M9.14%1.44%0.51%69.6%
Q1 202557$215.5M9.08%1.28%0.51%64.8%
Q4 202453$210.3M9.03%1.32%0.14%68.5%
Q3 202458$210.4M9.20%0.97%0.20%68.3%
Q2 202460$209.3M9.20%0.75%0.19%67.7%

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 ratio9.06%
14th
Problem loans1.15%
24th
Net charge-offs0.62%
26th
Return on assets0.52%
32nd
Loans to deposits69.1%
62nd
Uninsured deposits1.0%
95th
Loan-loss reserves0.00%
50th
Texas ratio8.7%
17th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Westex Community Credit UnionCredit union Kermit, TX94 out of 100, Very strong$231.4M15.4%0.63%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Pantex Federal Credit UnionCredit union Borger, TX90 out of 100, Very strong$233.4M22.3%0.69%vs
Capitol Credit UnionCredit union Austin, TX71 out of 100, Strong$233.9M12.0%0.20%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs
Sabine Federal Credit UnionCredit union Orange, TX69 out of 100, Moderate$235.3M12.3%0.79%vs

Deposit insurance

Is my money safe at The People'S Federal Credit Union?

Yes. The People'S Federal Credit Union is a federally insured credit union (NCUA charter #8290). 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 1.0% of shares and deposits ($2.0M) 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 9.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

The People'S Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The People'S Federal Credit Union reported 35 home-loan applications under HMDA (LEI 254900WJGWD3H4OFK051): 23 originated ($1,295,000 total), 8 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.8%, 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
The People'S Federal Credit Union
Type
Federal credit union
NCUA charter #
8290
RSSD ID
429889
Primary regulator
NCUA
Established
1953
Headquarters
P.O. Box 9335, Amarillo, TX 79105
Employees
70

Quick answers

The People'S Federal Credit Union: common questions

Is The People'S Federal Credit Union NCUA insured?

Yes. The People'S Federal Credit Union is a federally insured credit union (NCUA charter #8290). 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 The People'S 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 The People'S Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amarillo

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Amarillo Postal Employees Credit UnionCredit union Amarillo, TX77 out of 100, Strong$19.5M12.8%0.13%vs