West Texas Credit Union (NCUA charter #67592) is based in Odessa, Texas. Its Q2 2026 call report shows $70.3M in total assets and $63.1M in member shares and deposits and 3 offices.
West Texas Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 309th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 8% uninsured); earnings contributes the least (24/100, 0.11%).
TellerScore · Q2 2026
Scorecard
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 (63 → 58), mostly because the loan quality component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 65 |
| Q1 2025 | 66 |
| Q2 2025 | 63 |
| Q3 2025 | 60 |
| Q4 2025 | 61 |
| Q1 2026 | 60 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.29% |
| Q3 2024 | 10.34% |
| Q4 2024 | 10.09% |
| Q1 2025 | 9.79% |
| Q2 2025 | 9.78% |
| Q3 2025 | 9.83% |
| Q4 2025 | 9.92% |
| Q1 2026 | 9.27% |
| Q2 2026 | 9.30% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.77% |
| Q2 2026 | 1.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $70.3M | 9.30% | 1.07% | 0.11% | 60.2% |
| Q1 2026 | 60 | $70.3M | 9.27% | 0.77% | 0.10% | 60.6% |
| Q4 2025 | 61 | $65.5M | 9.92% | 0.95% | 0.27% | 66.7% |
| Q3 2025 | 60 | $65.7M | 9.83% | 0.92% | 0.24% | 67.6% |
| Q2 2025 | 63 | $65.8M | 9.78% | 0.69% | 0.28% | 66.8% |
| Q1 2025 | 66 | $65.2M | 9.79% | 0.33% | 0.23% | 64.4% |
| Q4 2024 | 65 | $62.8M | 10.09% | 0.42% | 0.07% | 62.8% |
| Q3 2024 | 66 | $62.2M | 10.34% | 0.64% | 0.25% | 60.1% |
| Q2 2024 | 65 | $62.5M | 10.29% | 0.78% | 0.35% | 60.9% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texas Plains Federal Credit UnionCredit union Amarillo, TX | 77 out of 100, Strong | $71.2M | 14.3% | 0.78% | vs |
| Service 1st Credit UnionCredit union Greenville, TX | 91 out of 100, Very strong | $71.3M | 16.8% | 0.78% | vs |
| South Texas Federal Credit UnionCredit union McALLEN, TX | 47 out of 100, Below average | $69.2M | 8.6% | 2.38% | vs |
| Star of Texas Credit UnionCredit union Austin, TX | 66 out of 100, Moderate | $71.6M | 22.3% | 3.79% | vs |
| Scott and White Employees Credit UnionCredit union Temple, TX | 92 out of 100, Very strong | $71.7M | 18.5% | 0.75% | vs |
| Texan Sky Federal Credit UnionCredit union Dumas, TX | 82 out of 100, Strong | $74.7M | 15.7% | 0.34% | vs |
Deposit insurance
Is my money safe at West Texas Credit Union?
Yes. West Texas Credit Union is a federally insured credit union (NCUA charter #67592). 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 7.6% of shares and deposits ($4.8M) 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 9.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
West Texas Credit Union lists 3 offices in 1 city. Most locations:
- Odessa, TX (3)
Identity & history
Profile
- Legal name
- West Texas Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67592
- RSSD ID
- 597199
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 4301 Mission Blvd, Odessa, TX 79765
- Employees
- 25
Quick answers
West Texas Credit Union: common questions
Is West Texas Credit Union NCUA insured?
Yes. West Texas Credit Union is a federally insured credit union (NCUA charter #67592). 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 West Texas Credit Union's TellerScore?
58 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 West Texas Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Odessa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Odessa Employees Credit UnionCredit union Odessa, TX | 89 out of 100, Very strong | $21.0M | 16.1% | 0.00% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| Midland Municipal Employees Credit UnionCredit union Midland, TX | 85 out of 100, Very strong | $17.1M | 14.9% | 0.44% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| Southwest Heritage Credit UnionCredit union Odessa, TX | 83 out of 100, Strong | $260.9M | 13.3% | 0.20% | vs |