TellerScore

Union Pacific Employees Credit Union (NCUA charter #67417) is based in Beaumont, Texas. Its Q2 2026 call report shows $3.8M in total assets and $2.9M in member shares and deposits and 1 office.

Union Pacific Employees Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 304th. Capital cushion contributes the most (100/100, 23.66%); earnings contributes the least (2/100, -0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.66%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.02%
Earnings2/100
Return on assets (annualized): -0.44%
Funding & liquidity74/100
Loans ÷ shares: 86.6% · 0.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.63%

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 7 points (66 → 59), mostly because the loan quality component weakened by 18 points.

TellerScore
485868Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202448
Q4 202450
Q1 202563
Q2 202566
Q3 202562
Q4 202568
Q1 202665
Q2 202659
Net worth ratio
7.00%16.80%26.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.59%
Q3 202425.00%
Q4 202425.23%
Q1 202524.00%
Q2 202523.52%
Q3 202524.77%
Q4 202524.29%
Q1 202623.46%
Q2 202623.66%
Delinquent loans (60+ days)
1.33%2.12%2.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.36%
Q3 20242.90%
Q4 20242.72%
Q1 20251.51%
Q2 20251.48%
Q3 20251.87%
Q4 20251.44%
Q1 20261.33%
Q2 20262.02%
Return on assets
-0.95%-0.19%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 2024-0.64%
Q4 2024-0.95%
Q1 2025-0.62%
Q2 2025-0.14%
Q3 2025-0.13%
Q4 20250.01%
Q1 2026-0.93%
Q2 2026-0.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$3.8M23.66%2.02%-0.44%86.6%
Q1 202665$3.9M23.46%1.33%-0.93%82.9%
Q4 202568$3.8M24.29%1.44%0.01%84.3%
Q3 202562$3.7M24.77%1.87%-0.13%89.5%
Q2 202566$3.9M23.52%1.48%-0.14%83.9%
Q1 202563$3.8M24.00%1.51%-0.62%87.1%
Q4 202450$3.6M25.23%2.72%-0.95%96.5%
Q3 202448$3.8M25.00%2.90%-0.64%99.0%
Q2 202460$3.7M26.59%2.36%0.58%111.4%

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 ratio23.66%
87th
Problem loans2.02%
21st
Net charge-offs0.02%
66th
Return on assets-0.44%
11th
Loans to deposits86.6%
12th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio5.6%
26th

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Highway District 2 Credit UnionCredit union Fort Worth, TX75 out of 100, Strong$3.6M37.9%0.00%vs
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Deposit insurance

Is my money safe at Union Pacific Employees Credit Union?

Yes. Union Pacific Employees Credit Union is a federally insured credit union (NCUA charter #67417). 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 0.0% of shares and deposits ($0) 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 23.66%, 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

Union Pacific Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Union Pacific Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67417
RSSD ID
528492
Primary regulator
State + NCUA
Established
1953
Headquarters
550 Lindbergh DR, Beaumont, TX 77707
Employees
2

Quick answers

Union Pacific Employees Credit Union: common questions

Is Union Pacific Employees Credit Union NCUA insured?

Yes. Union Pacific Employees Credit Union is a federally insured credit union (NCUA charter #67417). 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 Pacific Employees Credit Union's TellerScore?

59 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 Union Pacific Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beaumont

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs