TellerScore

Headquartered in Austin, Texas, University Federal Credit Union is a federal credit union with $4.3B in total assets and $3.5B in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1936.

University Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 25% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 289th. Problem-loan coverage contributes the most (83/100, 8.6%); capital cushion contributes the least (47/100, 9.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.65%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity75/100
Loans ÷ shares: 85.7% · 8.2% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.63%

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 rose 2 points (58 → 60), mostly because the earnings component improved by 11 points.

TellerScore
555860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202459
Q1 202559
Q2 202558
Q3 202556
Q4 202555
Q1 202660
Q2 202660
Net worth ratio
7.00%8.33%9.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.16%
Q3 20249.25%
Q4 20249.46%
Q1 20259.55%
Q2 20259.52%
Q3 20259.54%
Q4 20259.38%
Q1 20269.52%
Q2 20269.65%
Delinquent loans (60+ days)
0.74%0.96%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.81%
Q4 20240.92%
Q1 20250.83%
Q2 20250.94%
Q3 20251.09%
Q4 20251.19%
Q1 20261.02%
Q2 20261.11%
Return on assets
0.47%0.62%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.62%
Q4 20240.67%
Q1 20250.48%
Q2 20250.49%
Q3 20250.54%
Q4 20250.47%
Q1 20260.78%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$4.3B9.65%1.11%0.77%85.7%
Q1 202660$4.3B9.52%1.02%0.78%85.5%
Q4 202555$4.2B9.38%1.19%0.47%89.7%
Q3 202556$4.2B9.54%1.09%0.54%90.9%
Q2 202558$4.2B9.52%0.94%0.49%91.0%
Q1 202559$4.1B9.55%0.83%0.48%89.9%
Q4 202459$4.0B9.46%0.92%0.67%94.2%
Q3 202459$4.1B9.25%0.81%0.62%94.4%
Q2 202459$4.1B9.16%0.74%0.64%93.4%

454 peers · $1 billion – $10 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 ratio9.65%
22nd
Problem loans1.11%
21st
Net charge-offs1.17%
7th
Return on assets0.77%
46th
Loans to deposits85.7%
56th
Uninsured deposits8.2%
60th
Loan-loss reserves0.00%
50th
Texas ratio8.6%
21st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Human Federal Credit UnionCredit union San Antonio, TX43 out of 100, Below average$4.3B7.3%1.09%vs
Gecu Federal Credit UnionCredit union El Paso, TX75 out of 100, Strong$4.7B13.6%1.00%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs
Eecu Credit UnionCredit union Fort Worth, TX81 out of 100, Strong$4.9B12.7%0.45%vs
Texas Dow Employees Credit UnionCredit union Houston, TX49 out of 100, Below average$5.0B10.2%1.77%vs
First Community Credit UnionCredit union Houston, TX58 out of 100, Moderate$3.1B8.0%0.39%vs

Deposit insurance

Is my money safe at University Federal Credit Union?

Yes. University Federal Credit Union is a federally insured credit union (NCUA charter #1367). 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 8.2% of shares and deposits ($283.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

University Federal Credit Union lists 8 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University Federal Credit Union
Type
Federal credit union
NCUA charter #
1367
RSSD ID
369976
Primary regulator
NCUA
Established
1936
Headquarters
Po Box 9350, Austin, TX 78766
Employees
749

Quick answers

University Federal Credit Union: common questions

Is University Federal Credit Union NCUA insured?

Yes. University Federal Credit Union is a federally insured credit union (NCUA charter #1367). 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 University Federal Credit Union's TellerScore?

60 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 University Federal Credit Union have?

8 offices as of the latest NCUA data.