TellerScore

Vatat Credit Union (NCUA charter #67661) is based in Austin, Texas. Its Q2 2026 call report shows $11.0M in total assets and $8.7M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Vatat Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 105th. Its strongest component is capital cushion (100/100; 17.90%), and its lowest is funding & liquidity (64/100; 78% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.90%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity64/100
Loans ÷ shares: 78.0% · 31.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.54%

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 8 points (74 → 82), mostly because the earnings component improved by 18 points.

TellerScore
627485Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202479
Q4 202472
Q1 202577
Q2 202574
Q3 202562
Q4 202562
Q1 202665
Q2 202682
Net worth ratio
7.00%12.63%18.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.57%
Q3 202416.89%
Q4 202417.32%
Q1 202517.47%
Q2 202517.23%
Q3 202517.58%
Q4 202518.26%
Q1 202617.83%
Q2 202617.90%
Delinquent loans (60+ days)
0.33%1.24%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.33%
Q4 20241.03%
Q1 20250.40%
Q2 20250.97%
Q3 20251.78%
Q4 20252.15%
Q1 20261.46%
Q2 20260.74%
Return on assets
0.06%0.79%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.53%
Q3 20240.74%
Q4 20240.74%
Q1 20250.64%
Q2 20250.89%
Q3 20250.22%
Q4 20250.58%
Q1 20260.06%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$11.0M17.90%0.74%1.33%78.0%
Q1 202665$10.6M17.83%1.46%0.06%84.5%
Q4 202562$10.4M18.26%2.15%0.58%94.4%
Q3 202562$10.5M17.58%1.78%0.22%96.0%
Q2 202574$10.9M17.23%0.97%0.89%98.5%
Q1 202577$10.6M17.47%0.40%0.64%102.5%
Q4 202472$10.6M17.32%1.03%0.74%104.2%
Q3 202479$10.7M16.89%0.33%0.74%105.6%
Q2 202485$11.1M16.57%0.40%1.53%101.9%

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 ratio17.90%
69th
Problem loans0.74%
49th
Net charge-offs0.00%
77th
Return on assets1.33%
80th
Loans to deposits78.0%
22nd
Uninsured deposits31.4%
1st
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texarkana Terminal Employees Federal Credit UnionCredit union Texarkana, TX63 out of 100, Moderate$10.9M10.0%1.15%vs
Hale County Teachers Federal Credit UnionCredit union Plainview, TX69 out of 100, Moderate$11.1M10.4%0.00%vs
Baker Hughes Federal Credit UnionCredit union Houston, TX66 out of 100, Moderate$11.2M12.8%0.84%vs
Methodist Hospital Employees Federal Credit UnionCredit union Dallas, TX62 out of 100, Moderate$10.7M13.8%4.54%vs
Mount Olive Baptist Church Federal Credit UnionCredit union Arlington, TX53 out of 100, Below average$10.7M16.9%2.84%vs
Met Tran Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$11.2M14.6%0.12%vs

Deposit insurance

Is my money safe at Vatat Credit Union?

Yes. Vatat Credit Union is a federally insured credit union (NCUA charter #67661). 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 31.4% of shares and deposits ($2.7M) 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 17.90%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Vatat Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Vatat Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67661
RSSD ID
627797
Primary regulator
State + NCUA
Established
1961
Headquarters
614 E 12th St, Austin, TX 78701
Employees
2

Quick answers

Vatat Credit Union: common questions

Is Vatat Credit Union NCUA insured?

Yes. Vatat Credit Union is a federally insured credit union (NCUA charter #67661). 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 Vatat Credit Union's TellerScore?

82 out of 100 (Strong), 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 Vatat Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
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