TellerScore

Headquartered in Wharton, Texas, Wharton County Teachers Credit Union is a federally insured state-chartered credit union with $7.4M in total assets and $5.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1953.

Based on its Q2 2026 filing, Wharton County Teachers Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 42nd. Its strongest component is capital cushion (100/100; 28.35%), and its lowest is earnings (60/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.35%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity98/100
Loans ÷ shares: 62.1% · 5.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.27%

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 (92 → 90), mostly because the loan quality component weakened by 4 points.

TellerScore
889193Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202489
Q4 202488
Q1 202589
Q2 202592
Q3 202591
Q4 202591
Q1 202691
Q2 202690
Net worth ratio
7.00%17.68%28.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.21%
Q3 202423.86%
Q4 202423.89%
Q1 202523.97%
Q2 202525.38%
Q3 202526.72%
Q4 202526.72%
Q1 202627.90%
Q2 202628.35%
Delinquent loans (60+ days)
0.05%0.15%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.20%
Q4 20240.25%
Q1 20250.05%
Q2 20250.06%
Q3 20250.12%
Q4 20250.10%
Q1 20260.26%
Q2 20260.18%
Return on assets
0.67%0.97%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20240.91%
Q4 20240.75%
Q1 20250.67%
Q2 20251.01%
Q3 20251.03%
Q4 20250.99%
Q1 20261.23%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$7.4M28.35%0.18%0.99%62.1%
Q1 202691$7.5M27.90%0.26%1.23%56.7%
Q4 202591$7.8M26.72%0.10%0.99%49.9%
Q3 202591$7.8M26.72%0.12%1.03%49.5%
Q2 202592$8.2M25.38%0.06%1.01%46.8%
Q1 202589$8.6M23.97%0.05%0.67%39.3%
Q4 202488$8.6M23.89%0.25%0.75%39.3%
Q3 202489$8.6M23.86%0.20%0.91%33.5%
Q2 202493$8.5M24.21%0.14%1.27%31.5%

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 ratio28.35%
93rd
Problem loans0.18%
75th
Net charge-offs0.31%
38th
Return on assets0.99%
67th
Loans to deposits62.1%
45th
Uninsured deposits5.8%
18th
Loan-loss reserves0.28%
75th
Texas ratio0.3%
79th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Seminole Public Schools Federal Credit UnionCredit union Seminole, TX58 out of 100, Moderate$7.4M22.3%4.37%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Highway District 19 Employees Credit UnionCredit union Atlanta, TX73 out of 100, Strong$7.1M20.7%0.72%vs
Oak Cliff Christian Federal Credit UnionCredit union Dallas, TX56 out of 100, Moderate$7.8M7.2%0.78%vs
Port of Houston Credit UnionCredit union Houston, TX59 out of 100, Moderate$7.9M32.9%5.55%vs
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs

Deposit insurance

Is my money safe at Wharton County Teachers Credit Union?

Yes. Wharton County Teachers Credit Union is a federally insured credit union (NCUA charter #67458). 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 5.8% of shares and deposits ($305K) 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 28.35%, 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

Wharton County Teachers Credit Union lists 1 office in 1 city. Most locations:

  • Wharton, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Wharton County Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67458
RSSD ID
495295
Primary regulator
State + NCUA
Established
1953
Headquarters
P. O. Box 1004, Wharton, TX 77488
Employees
5

Quick answers

Wharton County Teachers Credit Union: common questions

Is Wharton County Teachers Credit Union NCUA insured?

Yes. Wharton County Teachers Credit Union is a federally insured credit union (NCUA charter #67458). 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 Wharton County Teachers Credit Union's TellerScore?

90 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 Wharton County Teachers Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wharton

InstitutionScoreAssetsCapitalProblem loansCompare
Old Ocean Federal Credit UnionCredit union Sweeny, TX98 out of 100, Very strong$41.6M20.5%0.24%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs