TellerScore

Waco Federal Credit Union (NCUA charter #6368) is based in Waco, Texas. Its Q2 2026 call report shows $20.3M in total assets and $18.1M in member shares and deposits.

Waco Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 264th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 1% uninsured); loan quality contributes the least (52/100, 1.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.19%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity100/100
Loans ÷ shares: 46.1% · 1.2% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.77%

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 (69 → 64), mostly because the earnings component weakened by 15 points.

TellerScore
606876Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202468
Q4 202462
Q1 202576
Q2 202569
Q3 202570
Q4 202569
Q1 202667
Q2 202664
Net worth ratio
7.00%8.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.90%
Q3 20249.17%
Q4 20249.36%
Q1 20259.32%
Q2 20259.70%
Q3 20259.76%
Q4 202510.01%
Q1 202610.01%
Q2 202610.19%
Delinquent loans (60+ days)
0.10%0.77%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.27%
Q3 20240.57%
Q4 20241.30%
Q1 20250.10%
Q2 20251.07%
Q3 20250.78%
Q4 20250.93%
Q1 20261.07%
Q2 20261.43%
Return on assets
0.80%1.05%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.80%
Q4 20240.85%
Q1 20251.23%
Q2 20251.30%
Q3 20251.11%
Q4 20251.12%
Q1 20260.98%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$20.3M10.19%1.43%0.93%46.1%
Q1 202667$20.2M10.01%1.07%0.98%47.9%
Q4 202569$19.7M10.01%0.93%1.12%49.4%
Q3 202570$19.6M9.76%0.78%1.11%49.6%
Q2 202569$19.4M9.70%1.07%1.30%46.9%
Q1 202576$19.4M9.32%0.10%1.23%46.9%
Q4 202462$18.7M9.36%1.30%0.85%47.8%
Q3 202468$18.6M9.17%0.57%0.80%46.3%
Q2 202460$18.8M8.90%1.27%0.80%46.0%

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 ratio10.19%
18th
Problem loans1.43%
30th
Net charge-offs0.06%
61st
Return on assets0.93%
65th
Loans to deposits46.1%
69th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Port Arthur Community Federal Credit UnionCredit union Port Arthur, TX66 out of 100, Moderate$20.2M12.2%0.38%vs
Temple-Inland Federal Credit UnionCredit union Diboll, TX86 out of 100, Very strong$20.1M18.3%0.68%vs
Texstar Federal Credit UnionCredit union Kenedy, TX53 out of 100, Below average$20.0M13.6%3.86%vs
Brazos Community Credit UnionCredit union Alvin, TX57 out of 100, Moderate$20.0M17.0%2.10%vs
Corner Stone Credit UnionCredit union Lancaster, TX59 out of 100, Moderate$20.0M9.4%0.53%vs

Deposit insurance

Is my money safe at Waco Federal Credit Union?

Yes. Waco Federal Credit Union is a federally insured credit union (NCUA charter #6368). 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 1.2% of shares and deposits ($211K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.19%, 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
Waco Federal Credit Union
Type
Federal credit union
NCUA charter #
6368
RSSD ID
850081
Primary regulator
NCUA
Established
1949
Headquarters
P O Box 646, Waco, TX 76703
Employees
8

Quick answers

Waco Federal Credit Union: common questions

Is Waco Federal Credit Union NCUA insured?

Yes. Waco Federal Credit Union is a federally insured credit union (NCUA charter #6368). 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 Waco Federal Credit Union's TellerScore?

64 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.