TellerScore

Westex Federal Credit Union (NCUA charter #5373) is based in Lubbock, Texas. Its Q2 2026 call report shows $88.9M in total assets and $79.4M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Westex Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 349th. Its strongest component is funding & liquidity (100/100; 27% loans-to-deposits, 1% uninsured), and its lowest is earnings (29/100; 0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.31%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.84%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity100/100
Loans ÷ shares: 26.6% · 1.4% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.63%

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 2 points (54 → 52), mostly because the earnings component weakened by 13 points.

TellerScore
495459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202459
Q4 202459
Q1 202554
Q2 202554
Q3 202554
Q4 202553
Q1 202649
Q2 202652
Net worth ratio
7.00%8.62%10.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.93%
Q3 202410.22%
Q4 202410.24%
Q1 20259.77%
Q2 20259.82%
Q3 20259.58%
Q4 20259.49%
Q1 20269.20%
Q2 20269.31%
Delinquent loans (60+ days)
1.45%1.79%2.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.12%
Q3 20241.45%
Q4 20241.51%
Q1 20251.82%
Q2 20252.07%
Q3 20251.87%
Q4 20251.93%
Q1 20262.00%
Q2 20261.84%
Return on assets
0.08%0.31%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.30%
Q4 20240.38%
Q1 20250.28%
Q2 20250.55%
Q3 20250.37%
Q4 20250.31%
Q1 20260.08%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$88.9M9.31%1.84%0.22%26.6%
Q1 202649$89.0M9.20%2.00%0.08%26.6%
Q4 202553$86.2M9.49%1.93%0.31%28.0%
Q3 202554$85.2M9.58%1.87%0.37%29.4%
Q2 202554$83.1M9.82%2.07%0.55%31.8%
Q1 202554$81.7M9.77%1.82%0.28%33.5%
Q4 202459$77.4M10.24%1.51%0.38%37.3%
Q3 202459$76.5M10.22%1.45%0.30%40.1%
Q2 202451$78.1M9.93%2.12%0.25%41.3%

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 ratio9.31%
11th
Problem loans1.84%
23rd
Net charge-offs0.42%
31st
Return on assets0.22%
28th
Loans to deposits26.6%
91st
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio5.6%
26th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Southland Federal Credit UnionCredit union Lufkin, TX85 out of 100, Very strong$89.2M14.4%0.62%vs
Southwest Research Center Federal Credit UnionCredit union San Antonio, TX79 out of 100, Strong$87.6M11.6%0.50%vs
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
U. S. Employees Credit UnionCredit union Tomball, TX74 out of 100, Strong$86.4M10.4%0.20%vs
Wellspring Federal Credit UnionCredit union Bridge City, TX61 out of 100, Moderate$91.8M8.9%0.71%vs
Irving City Employees Federal Credit UnionCredit union Irving, TX86 out of 100, Very strong$85.8M12.0%0.56%vs

Deposit insurance

Is my money safe at Westex Federal Credit Union?

Yes. Westex Federal Credit Union is a federally insured credit union (NCUA charter #5373). 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 1.4% of shares and deposits ($1.1M) 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 9.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Westex Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Westex Federal Credit Union
Type
Federal credit union
NCUA charter #
5373
RSSD ID
546870
Primary regulator
NCUA
Established
1946
Headquarters
901 Avenue Q, Lubbock, TX 79401
Employees
15

Quick answers

Westex Federal Credit Union: common questions

Is Westex Federal Credit Union NCUA insured?

Yes. Westex Federal Credit Union is a federally insured credit union (NCUA charter #5373). 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 Federal Credit Union's TellerScore?

52 out of 100 (Below average), 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lubbock

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Caprock Santa Fe Credit UnionCredit union Slaton, TX85 out of 100, Very strong$51.5M41.7%1.77%vs
Citizens State BankBank Anton, TX84 out of 100, Strong$80.7M16.0%0.01%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Victory BankBank Lubbock, TX77 out of 100, Strong$284.8M12.1%0.05%vs