Unity One Credit Union (NCUA charter #68589) is based in Fort Worth, Texas. Its Q2 2026 call report shows $275.9M in total assets and $260.0M in member shares and deposits and 7 offices across 3 states.
Based on its Q2 2026 filing, Unity One Credit Union scores 51/100, which we describe as below average. That is higher than only 7% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 351st. Its strongest component is funding & liquidity (98/100; 62% loans-to-deposits, 4% uninsured), and its lowest is earnings (4/100; -0.41%).
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 6 points (57 → 51), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 56 |
| Q4 2024 | 51 |
| Q1 2025 | 55 |
| Q2 2025 | 57 |
| Q3 2025 | 58 |
| Q4 2025 | 54 |
| Q1 2026 | 55 |
| Q2 2026 | 51 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.64% |
| Q3 2024 | 8.49% |
| Q4 2024 | 8.54% |
| Q1 2025 | 8.23% |
| Q2 2025 | 8.46% |
| Q3 2025 | 8.76% |
| Q4 2025 | 8.74% |
| Q1 2026 | 8.39% |
| Q2 2026 | 8.39% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.71% |
| Q4 2024 | 1.24% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.98% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.15% |
| Q3 2024 | -0.09% |
| Q4 2024 | -0.05% |
| Q1 2025 | -0.12% |
| Q2 2025 | -0.15% |
| Q3 2025 | -0.20% |
| Q4 2025 | -0.20% |
| Q1 2026 | -0.29% |
| Q2 2026 | -0.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $275.9M | 8.39% | 0.98% | -0.41% | 62.2% |
| Q1 2026 | 55 | $280.2M | 8.39% | 0.70% | -0.29% | 60.2% |
| Q4 2025 | 54 | $271.3M | 8.74% | 0.90% | -0.20% | 64.3% |
| Q3 2025 | 58 | $277.8M | 8.76% | 0.58% | -0.20% | 64.3% |
| Q2 2025 | 57 | $290.0M | 8.46% | 0.65% | -0.15% | 62.4% |
| Q1 2025 | 55 | $299.7M | 8.23% | 0.77% | -0.12% | 61.9% |
| Q4 2024 | 51 | $290.0M | 8.54% | 1.24% | -0.05% | 66.3% |
| Q3 2024 | 56 | $297.1M | 8.49% | 0.71% | -0.09% | 66.6% |
| Q2 2024 | 53 | $291.7M | 8.64% | 0.95% | -0.15% | 67.9% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Trust of the Southwest Federal Credit UnionCredit union Houston, TX | 70 out of 100, Strong | $273.7M | 8.5% | 0.09% | vs |
| Border Federal Credit UnionCredit union Del Rio, TX | 88 out of 100, Very strong | $269.8M | 17.8% | 0.67% | vs |
| Energy Capital Credit UnionCredit union Houston, TX | 52 out of 100, Below average | $261.4M | 9.6% | 0.64% | vs |
| Southwest Heritage Credit UnionCredit union Odessa, TX | 83 out of 100, Strong | $260.9M | 13.3% | 0.20% | vs |
| Gulf Coast Federal Credit UnionCredit union Corpus Christi, TX | 48 out of 100, Below average | $259.8M | 8.3% | 1.31% | vs |
| Investex Credit UnionCredit union Humble, TX | 71 out of 100, Strong | $245.4M | 11.4% | 0.47% | vs |
Deposit insurance
Is my money safe at Unity One Credit Union?
Yes. Unity One Credit Union is a federally insured credit union (NCUA charter #68589). 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 4.5% of shares and deposits ($11.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.39%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Unity One Credit Union lists 7 offices in 5 cities across 3 states. Most locations:
- Fort Worth, TX (3)
- Kansas City, KS (1)
- Keller, TX (1)
- Maplewood, MN (1)
- North Richland Hills, TX (1)
Identity & history
Profile
- Legal name
- Unity One Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68589
- RSSD ID
- 104195
- Primary regulator
- State + NCUA
- Established
- 1934
- Headquarters
- 6701 Burlington Blvd, Fort Worth, TX 76131
- Employees
- 78
Quick answers
Unity One Credit Union: common questions
Is Unity One Credit Union NCUA insured?
Yes. Unity One Credit Union is a federally insured credit union (NCUA charter #68589). 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 Unity One Credit Union's TellerScore?
51 out of 100 (Below average), 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 Unity One Credit Union have?
7 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Fort Worth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX | 89 out of 100, Very strong | $11.9M | 20.9% | 1.07% | vs |
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |
| Charles Schwab Trust BankBank Westlake, TX | 88 out of 100, Very strong | $10.5B | 10.9% | 0.00% | vs |
| Allied Federal Credit UnionCredit union Arlington, TX | 88 out of 100, Very strong | $137.6M | 12.2% | 0.23% | vs |