TellerScore

Wichita Falls Federal Credit Union is a federal credit union headquartered in Wichita Falls, Texas, in business for about 77 years. At the end of Q2 2026 it reported $36.1M in total assets and $31.4M in member shares and deposits, with 1 office.

Wichita Falls Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 160th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (52/100, 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.83%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity91/100
Loans ÷ shares: 69.1% · 2.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.96%

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 (72 → 76), mostly because the earnings component improved by 29 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202470
Q1 202569
Q2 202572
Q3 202578
Q4 202579
Q1 202677
Q2 202676
Net worth ratio
7.00%10.02%13.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.96%
Q3 202413.04%
Q4 202412.78%
Q1 202512.09%
Q2 202511.86%
Q3 202511.69%
Q4 202512.44%
Q1 202611.92%
Q2 202611.83%
Delinquent loans (60+ days)
0.00%0.25%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.50%
Q4 20240.12%
Q1 20250.34%
Q2 20250.18%
Q3 20250.12%
Q4 20250.35%
Q1 20260.00%
Q2 20260.32%
Return on assets
-1.17%-0.08%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.17%
Q3 2024-0.97%
Q4 2024-1.01%
Q1 2025-0.18%
Q2 20250.09%
Q3 20250.79%
Q4 20251.01%
Q1 20260.52%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$36.1M11.83%0.32%0.79%69.1%
Q1 202677$34.9M11.92%0.00%0.52%69.0%
Q4 202579$33.1M12.44%0.35%1.01%71.5%
Q3 202578$34.1M11.69%0.12%0.79%68.5%
Q2 202572$32.1M11.86%0.18%0.09%72.5%
Q1 202569$31.2M12.09%0.34%-0.18%72.6%
Q4 202470$29.6M12.78%0.12%-1.01%72.4%
Q3 202468$29.7M13.04%0.50%-0.97%69.0%
Q2 202469$30.2M12.96%0.42%-1.17%65.8%

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 ratio11.83%
30th
Problem loans0.32%
67th
Net charge-offs0.62%
23rd
Return on assets0.79%
57th
Loans to deposits69.1%
35th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio2.0%
53rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Mid-Tex Federal Credit UnionCredit union Brownwood, TX65 out of 100, Moderate$36.4M9.2%0.90%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs
Brazos Star Credit UnionCredit union College Station, TX88 out of 100, Very strong$35.5M15.1%0.40%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Golden Triangle Federal Credit UnionCredit union Groves, TX79 out of 100, Strong$37.9M18.6%0.63%vs

Deposit insurance

Is my money safe at Wichita Falls Federal Credit Union?

Yes. Wichita Falls Federal Credit Union is a federally insured credit union (NCUA charter #6317). 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 2.5% of shares and deposits ($785K) 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 11.83%, 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

Wichita Falls Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wichita Falls Federal Credit Union
Type
Federal credit union
NCUA charter #
6317
RSSD ID
724986
Primary regulator
NCUA
Established
1949
Headquarters
3410 McNiel Ave, Wichita Falls, TX 76308
Employees
15

Quick answers

Wichita Falls Federal Credit Union: common questions

Is Wichita Falls Federal Credit Union NCUA insured?

Yes. Wichita Falls Federal Credit Union is a federally insured credit union (NCUA charter #6317). 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 Wichita Falls Federal Credit Union's TellerScore?

76 out of 100 (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 Wichita Falls Federal Credit Union have?

1 office as of the latest NCUA data.