TellerScore

Wellspring Federal Credit Union (NCUA charter #12181) is based in Bridge City, Texas. Its Q2 2026 call report shows $91.8M in total assets and $82.3M in member shares and deposits and 4 offices.

Wellspring Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 285th. Problem-loan coverage contributes the most (88/100, 5.8%); capital cushion contributes the least (39/100, 8.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.89%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity79/100
Loans ÷ shares: 81.0% · 3.4% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.83%

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 4 points (57 → 61), mostly because the loan quality component improved by 14 points.

TellerScore
505866Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202459
Q4 202458
Q1 202560
Q2 202557
Q3 202550
Q4 202551
Q1 202666
Q2 202661
Net worth ratio
7.00%8.30%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.97%
Q3 20249.25%
Q4 20249.61%
Q1 20258.74%
Q2 20258.98%
Q3 20257.70%
Q4 20257.66%
Q1 20268.80%
Q2 20268.89%
Delinquent loans (60+ days)
0.37%1.01%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.66%
Q3 20241.02%
Q4 20241.12%
Q1 20250.77%
Q2 20251.15%
Q3 20250.76%
Q4 20250.89%
Q1 20260.37%
Q2 20260.71%
Return on assets
-0.05%0.48%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20240.85%
Q4 20240.87%
Q1 20250.72%
Q2 20250.78%
Q3 2025-0.05%
Q4 20250.17%
Q1 20260.96%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$91.8M8.89%0.71%0.71%81.0%
Q1 202666$91.6M8.80%0.37%0.96%80.8%
Q4 202551$91.5M7.66%0.89%0.17%82.0%
Q3 202550$89.2M7.70%0.76%-0.05%84.5%
Q2 202557$89.9M8.98%1.15%0.78%85.1%
Q1 202560$90.2M8.74%0.77%0.72%82.0%
Q4 202458$80.4M9.61%1.12%0.87%94.3%
Q3 202459$82.0M9.25%1.02%0.85%92.1%
Q2 202453$83.4M8.97%1.66%1.00%90.2%

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 ratio8.89%
9th
Problem loans0.71%
49th
Net charge-offs1.33%
10th
Return on assets0.71%
54th
Loans to deposits81.0%
18th
Uninsured deposits3.4%
32nd
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Baycel Federal Credit UnionCredit union Bay City, TX91 out of 100, Very strong$92.2M21.8%1.01%vs
Coastal Community Federal Credit UnionCredit union Galveston, TX39 out of 100, Low$93.3M9.9%2.79%vs
Cooperative TeachersCredit union Tyler, TX30 out of 100, Low$93.8M7.9%4.31%vs
Southland Federal Credit UnionCredit union Lufkin, TX85 out of 100, Very strong$89.2M14.4%0.62%vs
Westex Federal Credit UnionCredit union Lubbock, TX52 out of 100, Below average$88.9M9.3%1.84%vs
Southwest Research Center Federal Credit UnionCredit union San Antonio, TX79 out of 100, Strong$87.6M11.6%0.50%vs

Deposit insurance

Is my money safe at Wellspring Federal Credit Union?

Yes. Wellspring Federal Credit Union is a federally insured credit union (NCUA charter #12181). 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 3.4% of shares and deposits ($2.8M) 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 8.89%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Wellspring Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wellspring Federal Credit Union
Type
Federal credit union
NCUA charter #
12181
RSSD ID
348083
Primary regulator
NCUA
Established
1958
Headquarters
150 East Roundbunch Road, Bridge City, TX 77611
Employees
29

Quick answers

Wellspring Federal Credit Union: common questions

Is Wellspring Federal Credit Union NCUA insured?

Yes. Wellspring Federal Credit Union is a federally insured credit union (NCUA charter #12181). 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 Wellspring Federal Credit Union's TellerScore?

61 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 Wellspring Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bridge City

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs