TellerScore

Headquartered in Huntsville, Texas, Walker County Federal Credit Union is a federal credit union with $54.3M in total assets and $44.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1957.

Walker County Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 77th. Capital cushion contributes the most (100/100, 16.48%); earnings contributes the least (61/100, 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.48%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 2.2% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.24%

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 7 points (92 → 85), mostly because the earnings component weakened by 36 points.

TellerScore
808692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202492
Q4 202487
Q1 202590
Q2 202592
Q3 202589
Q4 202585
Q1 202680
Q2 202685
Net worth ratio
7.00%12.13%17.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202414.97%
Q3 202415.67%
Q4 202415.95%
Q1 202515.69%
Q2 202516.70%
Q3 202516.18%
Q4 202517.25%
Q1 202616.54%
Q2 202616.48%
Delinquent loans (60+ days)
0.42%0.82%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.44%
Q4 20240.78%
Q1 20250.71%
Q2 20250.42%
Q3 20250.71%
Q4 20251.22%
Q1 20260.75%
Q2 20260.57%
Return on assets
0.63%1.41%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.72%
Q3 20242.06%
Q4 20241.87%
Q1 20252.19%
Q2 20251.93%
Q3 20251.81%
Q4 20252.04%
Q1 20260.63%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$54.3M16.48%0.57%1.02%70.7%
Q1 202680$52.9M16.54%0.75%0.63%74.3%
Q4 202585$50.2M17.25%1.22%2.04%82.3%
Q3 202589$51.7M16.18%0.71%1.81%79.6%
Q2 202592$48.7M16.70%0.42%1.93%85.6%
Q1 202590$50.6M15.69%0.71%2.19%83.2%
Q4 202487$48.0M15.95%0.78%1.87%88.8%
Q3 202492$48.0M15.67%0.44%2.06%89.6%
Q2 202487$48.1M14.97%0.77%1.72%85.2%

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 ratio16.48%
63rd
Problem loans0.57%
55th
Net charge-offs0.76%
19th
Return on assets1.02%
68th
Loans to deposits70.7%
32nd
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio3.2%
41st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Heart O' Texas Federal Credit UnionCredit union Waco, TX49 out of 100, Below average$54.6M7.4%0.86%vs
Baptist Credit UnionCredit union San Antonio, TX63 out of 100, Moderate$54.7M8.7%0.15%vs
Lifetime Federal Credit UnionCredit union Richardson, TX69 out of 100, Moderate$55.2M18.4%1.91%vs
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs

Deposit insurance

Is my money safe at Walker County Federal Credit Union?

Yes. Walker County Federal Credit Union is a federally insured credit union (NCUA charter #12068). 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 2.2% of shares and deposits ($974K) 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 16.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Walker County Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Walker County Federal Credit Union
Type
Federal credit union
NCUA charter #
12068
RSSD ID
524186
Primary regulator
NCUA
Established
1957
Headquarters
1802 Normal Park, Huntsville, TX 77340
Employees
11

Quick answers

Walker County Federal Credit Union: common questions

Is Walker County Federal Credit Union NCUA insured?

Yes. Walker County Federal Credit Union is a federally insured credit union (NCUA charter #12068). 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 Walker County Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Walker County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntsville

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of HuntsvilleBank Huntsville, TX90 out of 100, Very strong$584.9M13.3%0.05%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Normangee State BankBank Normangee, TX86 out of 100, Very strong$165.5M14.7%0.03%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs
The First National Bank of TrinityBank Trinity, TX73 out of 100, Strong$92.8M9.2%0.00%vs