TellerScore

U. S. I. Federal Credit Union is a federal credit union headquartered in Deer Park, Texas, in business for about 67 years. At the end of Q2 2026 it reported $29.4M in total assets and $24.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, U. S. I. Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 244th. Its strongest component is capital cushion (100/100; 18.01%), and its lowest is earnings (37/100; 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.01%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.31%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity45/100
Loans ÷ shares: 99.6% · 29.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.94%

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 15 points (52 → 67), mostly because the loan quality component improved by 56 points.

TellerScore
526068Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202460
Q4 202456
Q1 202553
Q2 202552
Q3 202565
Q4 202556
Q1 202654
Q2 202667
Net worth ratio
7.00%17.05%27.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.89%
Q3 202427.03%
Q4 202427.10%
Q1 202524.72%
Q2 202524.55%
Q3 202521.04%
Q4 202522.24%
Q1 202619.98%
Q2 202618.01%
Delinquent loans (60+ days)
1.31%4.02%6.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.93%
Q3 20242.94%
Q4 20246.72%
Q1 20255.68%
Q2 20255.60%
Q3 20252.00%
Q4 20253.41%
Q1 20262.70%
Q2 20261.31%
Return on assets
0.24%0.73%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.22%
Q4 20241.18%
Q1 20250.62%
Q2 20250.52%
Q3 20250.65%
Q4 20250.81%
Q1 20260.24%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$29.4M18.01%1.31%0.42%99.6%
Q1 202654$26.3M19.98%2.70%0.24%114.9%
Q4 202556$25.5M22.24%3.41%0.81%104.8%
Q3 202565$26.7M21.04%2.00%0.65%92.3%
Q2 202552$22.6M24.55%5.60%0.52%124.7%
Q1 202553$23.5M24.72%5.68%0.62%116.2%
Q4 202456$21.3M27.10%6.72%1.18%129.0%
Q3 202460$21.2M27.03%2.94%1.22%126.8%
Q2 202468$21.0M26.89%1.93%1.10%123.3%

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 ratio18.01%
69th
Problem loans1.31%
32nd
Net charge-offs1.97%
6th
Return on assets0.42%
38th
Loans to deposits99.6%
3rd
Uninsured deposits29.0%
1st
Loan-loss reserves0.00%
37th
Texas ratio5.9%
24th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
United Credit UnionCredit union Tyler, TX58 out of 100, Moderate$29.6M7.1%0.64%vs
Valwood Park Federal Credit UnionCredit union Carrollton, TX67 out of 100, Moderate$29.7M10.1%0.41%vs
Nspire Federal Credit UnionCredit union Sinton, TX66 out of 100, Moderate$29.0M13.5%0.65%vs
Alcon Employees Federal Credit UnionCredit union Fort Worth, TX78 out of 100, Strong$29.9M21.7%0.07%vs
United Energy Credit UnionCredit union Humble, TX77 out of 100, Strong$30.0M16.5%0.55%vs

Deposit insurance

Is my money safe at U. S. I. Federal Credit Union?

Yes. U. S. I. Federal Credit Union is a federally insured credit union (NCUA charter #13132). 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 29.0% of shares and deposits ($7.0M) 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 18.01%, 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

U. S. I. Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U. S. I. Federal Credit Union
Type
Federal credit union
NCUA charter #
13132
RSSD ID
758187
Primary regulator
NCUA
Established
1959
Headquarters
PO Box D, Deer Park, TX 77536
Employees
8

Quick answers

U. S. I. Federal Credit Union: common questions

Is U. S. I. Federal Credit Union NCUA insured?

Yes. U. S. I. Federal Credit Union is a federally insured credit union (NCUA charter #13132). 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. I. Federal Credit Union's TellerScore?

67 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 U. S. I. Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Deer Park

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs