TellerScore

Headquartered in Kermit, Texas, Westex Community Credit Union is a federally insured state-chartered credit union with $231.4M in total assets and $193.9M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1960.

Based on its Q2 2026 filing, Westex Community Credit Union scores 94/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 17th. Its strongest component is capital cushion (100/100; 15.44%), and its lowest is loan quality (79/100; 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.44%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings100/100
Return on assets (annualized): 2.55%
Funding & liquidity100/100
Loans ÷ shares: 59.3% · 12.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.03%

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 5 points (89 → 94), mostly because the capital cushion component improved by 10 points.

TellerScore
899294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202489
Q4 202490
Q1 202592
Q2 202589
Q3 202592
Q4 202589
Q1 202692
Q2 202694
Net worth ratio
7.00%11.22%15.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.18%
Q3 202413.95%
Q4 202414.08%
Q1 202513.97%
Q2 202513.96%
Q3 202514.47%
Q4 202514.58%
Q1 202614.59%
Q2 202615.44%
Delinquent loans (60+ days)
0.51%0.82%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.74%
Q4 20240.76%
Q1 20250.59%
Q2 20250.84%
Q3 20250.74%
Q4 20251.13%
Q1 20260.71%
Q2 20260.63%
Return on assets
2.08%2.32%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.26%
Q3 20242.31%
Q4 20242.28%
Q1 20252.08%
Q2 20252.21%
Q3 20252.23%
Q4 20252.20%
Q1 20262.17%
Q2 20262.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$231.4M15.44%0.63%2.55%59.3%
Q1 202692$233.4M14.59%0.71%2.17%58.8%
Q4 202589$224.9M14.58%1.13%2.20%60.2%
Q3 202592$217.4M14.47%0.74%2.23%60.4%
Q2 202589$216.4M13.96%0.84%2.21%58.5%
Q1 202592$206.8M13.97%0.59%2.08%60.1%
Q4 202490$197.6M14.08%0.76%2.28%62.6%
Q3 202489$190.7M13.95%0.74%2.31%63.1%
Q2 202490$193.5M13.18%0.51%2.26%60.5%

1,341 peers · $100 million – $1 billion

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 ratio15.44%
87th
Problem loans0.63%
54th
Net charge-offs0.55%
30th
Return on assets2.55%
99th
Loans to deposits59.3%
79th
Uninsured deposits12.4%
9th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
75th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pantex Federal Credit UnionCredit union Borger, TX90 out of 100, Very strong$233.4M22.3%0.69%vs
The People'S Federal Credit UnionCredit union Amarillo, TX58 out of 100, Moderate$229.0M9.1%1.15%vs
Capitol Credit UnionCredit union Austin, TX71 out of 100, Strong$233.9M12.0%0.20%vs
Sabine Federal Credit UnionCredit union Orange, TX69 out of 100, Moderate$235.3M12.3%0.79%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs

Deposit insurance

Is my money safe at Westex Community Credit Union?

Yes. Westex Community Credit Union is a federally insured credit union (NCUA charter #67915). 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 12.4% of shares and deposits ($24.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.44%, well 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

Westex Community Credit Union lists 4 offices in 4 cities. Most locations:

  • Alpine, TX (1)
  • Kermit, TX (1)
  • Monahans, TX (1)
  • Pecos, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Westex Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67915
RSSD ID
660691
Primary regulator
State + NCUA
Established
1960
Headquarters
200 E Austin St, Kermit, TX 79745
Employees
51

Quick answers

Westex Community Credit Union: common questions

Is Westex Community Credit Union NCUA insured?

Yes. Westex Community Credit Union is a federally insured credit union (NCUA charter #67915). 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 Westex Community Credit Union's TellerScore?

94 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 Westex Community Credit Union have?

4 offices as of the latest NCUA data.