TellerScore

U. S. Employees Credit Union (NCUA charter #66372) is based in Tomball, Texas. Its Q2 2026 call report shows $86.4M in total assets and $77.0M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, U. S. Employees Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 178th. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 4% uninsured), and its lowest is earnings (49/100; 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.38%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity100/100
Loans ÷ shares: 48.6% · 4.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

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 6 points (68 → 74), mostly because the loan quality component improved by 11 points.

TellerScore
596774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202465
Q4 202464
Q1 202564
Q2 202568
Q3 202571
Q4 202571
Q1 202672
Q2 202674
Net worth ratio
7.00%8.69%10.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.58%
Q3 20248.91%
Q4 20249.18%
Q1 20259.36%
Q2 20259.59%
Q3 20259.75%
Q4 20259.99%
Q1 202610.25%
Q2 202610.38%
Delinquent loans (60+ days)
0.20%0.57%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20240.71%
Q4 20240.92%
Q1 20250.88%
Q2 20250.53%
Q3 20250.35%
Q4 20250.39%
Q1 20260.33%
Q2 20260.20%
Return on assets
0.42%0.61%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.78%
Q4 20240.79%
Q1 20250.55%
Q2 20250.60%
Q3 20250.69%
Q4 20250.73%
Q1 20260.69%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$86.4M10.38%0.20%0.72%48.6%
Q1 202672$85.9M10.25%0.33%0.69%49.5%
Q4 202571$86.6M9.99%0.39%0.73%47.1%
Q3 202571$87.3M9.75%0.35%0.69%45.0%
Q2 202568$86.6M9.59%0.53%0.60%45.5%
Q1 202564$87.2M9.36%0.88%0.55%46.5%
Q4 202464$87.6M9.18%0.92%0.79%47.6%
Q3 202465$88.6M8.91%0.71%0.78%49.0%
Q2 202459$88.1M8.58%0.94%0.42%50.5%

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 ratio10.38%
19th
Problem loans0.20%
74th
Net charge-offs0.35%
35th
Return on assets0.72%
54th
Loans to deposits48.6%
66th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
Irving City Employees Federal Credit UnionCredit union Irving, TX86 out of 100, Very strong$85.8M12.0%0.56%vs
Southwest Financial Federal Credit UnionCredit union Farmers Branch, TX72 out of 100, Strong$85.3M15.2%0.95%vs
Postel Family Credit UnionCredit union Wichita Falls, TX71 out of 100, Strong$85.2M11.1%0.33%vs
Southwest Research Center Federal Credit UnionCredit union San Antonio, TX79 out of 100, Strong$87.6M11.6%0.50%vs
City Federal Credit UnionCredit union Amarillo, TX61 out of 100, Moderate$84.3M16.3%1.59%vs

Deposit insurance

Is my money safe at U. S. Employees Credit Union?

Yes. U. S. Employees Credit Union is a federally insured credit union (NCUA charter #66372). 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 ($3.1M) 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 10.38%, 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

U. S. Employees Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U. S. Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66372
RSSD ID
1003790
Primary regulator
State + NCUA
Established
1933
Headquarters
24909 Kuykendahl Rd, Tomball, TX 77375
Employees
19

Quick answers

U. S. Employees Credit Union: common questions

Is U. S. Employees Credit Union NCUA insured?

Yes. U. S. Employees Credit Union is a federally insured credit union (NCUA charter #66372). 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 U. S. Employees Credit Union's TellerScore?

74 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 U. S. Employees Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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