Union Fidelity Federal Credit Union is a federal credit union headquartered in Houston, Texas, in business for about 64 years. At the end of Q2 2026 it reported $28.2M in total assets and $22.4M in member shares and deposits, with 2 offices.
Union Fidelity Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 171st. Capital cushion contributes the most (100/100, 19.70%); earnings contributes the least (41/100, 0.52%).
TellerScore · Q2 2026
Scorecard
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 2 points (77 → 75), mostly because the earnings component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 90 |
| Q4 2024 | 87 |
| Q1 2025 | 86 |
| Q2 2025 | 77 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 80 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.49% |
| Q3 2024 | 20.53% |
| Q4 2024 | 20.88% |
| Q1 2025 | 20.70% |
| Q2 2025 | 20.10% |
| Q3 2025 | 20.23% |
| Q4 2025 | 19.95% |
| Q1 2026 | 19.75% |
| Q2 2026 | 19.70% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.90% |
| Q2 2025 | 1.86% |
| Q3 2025 | 1.82% |
| Q4 2025 | 1.66% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.21% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.75% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.38% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.23% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $28.2M | 19.70% | 1.21% | 0.52% | 79.2% |
| Q1 2026 | 80 | $28.1M | 19.75% | 1.27% | 1.23% | 78.0% |
| Q4 2025 | 75 | $27.4M | 19.95% | 1.66% | 1.08% | 78.2% |
| Q3 2025 | 75 | $26.8M | 20.23% | 1.82% | 1.23% | 76.2% |
| Q2 2025 | 77 | $26.6M | 20.10% | 1.86% | 1.38% | 72.0% |
| Q1 2025 | 86 | $25.4M | 20.70% | 0.90% | 1.51% | 71.7% |
| Q4 2024 | 87 | $24.8M | 20.88% | 0.83% | 1.58% | 72.2% |
| Q3 2024 | 90 | $24.7M | 20.53% | 0.59% | 1.52% | 68.0% |
| Q2 2024 | 92 | $24.4M | 20.49% | 0.60% | 1.75% | 66.8% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rocket Federal Credit UnionCredit union McGregor, TX | 40 out of 100, Below average | $28.3M | 9.9% | 2.40% | vs |
| Tyler City Employees Credit UnionCredit union Tyler, TX | 73 out of 100, Strong | $28.4M | 16.0% | 1.04% | vs |
| Gulf Shore Federal Credit UnionCredit union Texas City, TX | 63 out of 100, Moderate | $28.5M | 13.4% | 2.21% | vs |
| Anderson County Federal Credit UnionCredit union Palestine, TX | 78 out of 100, Strong | $27.3M | 17.2% | 2.32% | vs |
| Nspire Federal Credit UnionCredit union Sinton, TX | 66 out of 100, Moderate | $29.0M | 13.5% | 0.65% | vs |
| Dallas U.P. Employees Credit UnionCredit union Dallas, TX | 81 out of 100, Strong | $27.2M | 24.3% | 1.54% | vs |
Deposit insurance
Is my money safe at Union Fidelity Federal Credit Union?
Yes. Union Fidelity Federal Credit Union is a federally insured credit union (NCUA charter #15049). 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 2.7% of shares and deposits ($603K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 19.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Union Fidelity Federal Credit Union lists 2 offices in 1 city. Most locations:
- Houston, TX (2)
Identity & history
Profile
- Legal name
- Union Fidelity Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15049
- RSSD ID
- 688583
- Primary regulator
- NCUA
- Established
- 1962
- Headquarters
- 1415 North Loop W Ste 110, Houston, TX 77008
- Employees
- 6
Quick answers
Union Fidelity Federal Credit Union: common questions
Is Union Fidelity Federal Credit Union NCUA insured?
Yes. Union Fidelity Federal Credit Union is a federally insured credit union (NCUA charter #15049). 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 Union Fidelity Federal Credit Union's TellerScore?
75 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 Union Fidelity Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |