TellerScore

Valwood Park Federal Credit Union is a federal credit union headquartered in Carrollton, Texas, in business for about 52 years. At the end of Q2 2026 it reported $29.7M in total assets and $26.5M in member shares and deposits.

Based on its Q2 2026 filing, Valwood Park Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 243rd. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is earnings (36/100; 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.13%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity91/100
Loans ÷ shares: 57.8% · 23.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.64%

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 5 points (72 → 67), mostly because the loan quality component weakened by 10 points.

TellerScore
486378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202448
Q4 202478
Q1 202569
Q2 202572
Q3 202571
Q4 202574
Q1 202663
Q2 202667
Net worth ratio
6.45%8.67%10.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.50%
Q3 20246.45%
Q4 202410.80%
Q1 202510.18%
Q2 202510.56%
Q3 202510.51%
Q4 202510.58%
Q1 202610.88%
Q2 202610.13%
Delinquent loans (60+ days)
0.12%0.74%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20241.35%
Q4 20240.89%
Q1 20250.37%
Q2 20250.12%
Q3 20250.30%
Q4 20250.23%
Q1 20261.11%
Q2 20260.41%
Return on assets
0.21%2.53%4.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.55%
Q4 20244.85%
Q1 20250.43%
Q2 20250.46%
Q3 20250.58%
Q4 20250.73%
Q1 20260.21%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$29.7M10.13%0.41%0.40%57.8%
Q1 202663$27.3M10.88%1.11%0.21%61.0%
Q4 202574$27.9M10.58%0.23%0.73%60.3%
Q3 202571$27.3M10.51%0.30%0.58%61.8%
Q2 202572$26.6M10.56%0.12%0.46%62.9%
Q1 202569$27.3M10.18%0.37%0.43%60.1%
Q4 202478$25.4M10.80%0.89%4.85%64.3%
Q3 202448$25.1M6.45%1.35%0.55%65.6%
Q2 202449$24.0M6.50%1.04%0.39%73.0%

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 ratio10.13%
17th
Problem loans0.41%
62nd
Net charge-offs0.33%
37th
Return on assets0.40%
37th
Loans to deposits57.8%
51st
Uninsured deposits23.1%
1st
Loan-loss reserves0.00%
37th
Texas ratio2.6%
45th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
United Credit UnionCredit union Tyler, TX58 out of 100, Moderate$29.6M7.1%0.64%vs
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Alcon Employees Federal Credit UnionCredit union Fort Worth, TX78 out of 100, Strong$29.9M21.7%0.07%vs
United Energy Credit UnionCredit union Humble, TX77 out of 100, Strong$30.0M16.5%0.55%vs
U. S. I. Federal Credit UnionCredit union Deer Park, TX67 out of 100, Moderate$29.4M18.0%1.31%vs
Texas Community Federal Credit UnionCredit union Kingsville, TX79 out of 100, Strong$30.1M14.7%1.29%vs

Deposit insurance

Is my money safe at Valwood Park Federal Credit Union?

Yes. Valwood Park Federal Credit Union is a federally insured credit union (NCUA charter #21788). 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 23.1% of shares and deposits ($6.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Valwood Park Federal Credit Union
Type
Federal credit union
NCUA charter #
21788
RSSD ID
100188
Primary regulator
NCUA
Established
1974
Headquarters
1001 E Crosby Rd., Carrollton, TX 75006
Employees
7

Quick answers

Valwood Park Federal Credit Union: common questions

Is Valwood Park Federal Credit Union NCUA insured?

Yes. Valwood Park Federal Credit Union is a federally insured credit union (NCUA charter #21788). 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 Valwood Park Federal Credit Union's TellerScore?

67 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.