TellerScore

Headquartered in Houston, Texas, United Community Credit Union is a federally insured state-chartered credit union with $127.9M in total assets and $112.6M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1950.

Based on its Q2 2026 filing, United Community Credit Union scores 69/100, which we describe as moderate. That is higher than only 48% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 226th. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is earnings (57/100; 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.03%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity80/100
Loans ÷ shares: 80.1% · 2.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.17%

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 2 points (67 → 69), mostly because the earnings component improved by 17 points.

TellerScore
546270Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202460
Q4 202454
Q1 202558
Q2 202567
Q3 202563
Q4 202563
Q1 202670
Q2 202669
Net worth ratio
7.00%9.52%12.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.92%
Q3 202411.05%
Q4 202411.32%
Q1 202511.08%
Q2 202511.12%
Q3 202511.51%
Q4 202511.88%
Q1 202611.89%
Q2 202612.03%
Delinquent loans (60+ days)
0.70%1.43%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20241.39%
Q4 20242.15%
Q1 20251.62%
Q2 20250.70%
Q3 20251.21%
Q4 20251.40%
Q1 20260.98%
Q2 20261.05%
Return on assets
0.51%0.72%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.64%
Q4 20240.67%
Q1 20250.52%
Q2 20250.51%
Q3 20250.51%
Q4 20250.60%
Q1 20260.94%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$127.9M12.03%1.05%0.92%80.1%
Q1 202670$127.0M11.89%0.98%0.94%78.6%
Q4 202563$124.6M11.88%1.40%0.60%83.6%
Q3 202563$126.3M11.51%1.21%0.51%80.8%
Q2 202567$129.3M11.12%0.70%0.51%78.7%
Q1 202558$128.4M11.08%1.62%0.52%79.4%
Q4 202454$124.1M11.32%2.15%0.67%83.7%
Q3 202460$125.0M11.05%1.39%0.64%85.9%
Q2 202465$124.8M10.92%0.81%0.65%85.4%

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 ratio12.03%
58th
Problem loans1.05%
28th
Net charge-offs0.88%
13th
Return on assets0.92%
62nd
Loans to deposits80.1%
40th
Uninsured deposits2.6%
86th
Loan-loss reserves0.00%
50th
Texas ratio6.2%
30th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
Bp Federal Credit UnionCredit union Houston, TX69 out of 100, Moderate$124.4M14.0%0.81%vs
Telco Plus Credit UnionCredit union Longview, TX54 out of 100, Below average$124.3M9.3%0.31%vs
Eastex Credit UnionCredit union Evadale, TX81 out of 100, Strong$131.7M11.5%0.16%vs
One Source Federal Credit UnionCredit union El Paso, TX63 out of 100, Moderate$124.0M10.3%0.27%vs
Tarrant County'S Credit UnionCredit union Fort Worth, TX53 out of 100, Below average$123.7M9.6%0.80%vs

Deposit insurance

Is my money safe at United Community Credit Union?

Yes. United Community Credit Union is a federally insured credit union (NCUA charter #68369). 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 2.6% of shares and deposits ($2.9M) 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 12.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

United Community Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68369
RSSD ID
682086
Primary regulator
State + NCUA
Established
1950
Headquarters
13700 E Sam Houston Parkway N, Houston, TX 77044
Employees
48

Quick answers

United Community Credit Union: common questions

Is United Community Credit Union NCUA insured?

Yes. United Community Credit Union is a federally insured credit union (NCUA charter #68369). 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 United Community Credit Union's TellerScore?

69 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 United Community Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Houston

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