TellerScore

Windthorst Federal Credit Union (NCUA charter #16373) is based in Windthorst, Texas. Its Q2 2026 call report shows $103.6M in total assets and $90.8M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Windthorst Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 187th. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is earnings (64/100; 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.19%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity87/100
Loans ÷ shares: 68.2% · 19.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.11%

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 6 points (79 → 73), mostly because the loan quality component weakened by 28 points.

TellerScore
717680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202474
Q4 202476
Q1 202579
Q2 202579
Q3 202576
Q4 202575
Q1 202680
Q2 202673
Net worth ratio
7.00%9.75%12.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.51%
Q3 202412.42%
Q4 202412.35%
Q1 202512.42%
Q2 202512.07%
Q3 202512.34%
Q4 202512.40%
Q1 202612.29%
Q2 202612.19%
Delinquent loans (60+ days)
0.13%0.59%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.61%
Q4 20240.30%
Q1 20250.23%
Q2 20250.20%
Q3 20250.60%
Q4 20250.55%
Q1 20260.13%
Q2 20261.04%
Return on assets
0.70%0.90%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.87%
Q4 20240.70%
Q1 20250.97%
Q2 20251.06%
Q3 20251.05%
Q4 20250.91%
Q1 20261.00%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$103.6M12.19%1.04%1.10%68.2%
Q1 202680$100.1M12.29%0.13%1.00%74.6%
Q4 202575$97.2M12.40%0.55%0.91%76.7%
Q3 202576$96.8M12.34%0.60%1.05%76.4%
Q2 202579$96.8M12.07%0.20%1.06%75.4%
Q1 202579$91.8M12.42%0.23%0.97%78.5%
Q4 202476$90.5M12.35%0.30%0.70%79.7%
Q3 202474$89.6M12.42%0.61%0.87%82.1%
Q2 202471$87.0M12.51%0.82%0.79%85.8%

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 ratio12.19%
60th
Problem loans1.04%
28th
Net charge-offs0.00%
98th
Return on assets1.10%
72nd
Loans to deposits68.2%
64th
Uninsured deposits19.5%
3rd
Loan-loss reserves0.00%
50th
Texas ratio5.1%
38th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Watch Federal Credit UnionCredit union Abilene, TX66 out of 100, Moderate$104.7M9.3%0.03%vs
Rockdale Federal Credit UnionCredit union Rockdale, TX85 out of 100, Very strong$108.2M11.7%0.08%vs
Southwest 66 Credit UnionCredit union Odessa, TX68 out of 100, Moderate$112.2M11.2%0.57%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
Members Credit UnionCredit union Cleburne, TX74 out of 100, Strong$117.5M11.3%0.68%vs
Prestige Community Credit UnionCredit union Dallas, TX58 out of 100, Moderate$118.8M8.9%0.81%vs

Deposit insurance

Is my money safe at Windthorst Federal Credit Union?

Yes. Windthorst Federal Credit Union is a federally insured credit union (NCUA charter #16373). 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 19.5% of shares and deposits ($17.7M) 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 12.19%, 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

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

  • Windthorst, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Windthorst Federal Credit Union reported 43 home-loan applications under HMDA (LEI 549300TTMTYIYZ986C56): 38 originated ($6,320,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Windthorst Federal Credit Union
Type
Federal credit union
NCUA charter #
16373
RSSD ID
786984
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 127, Windthorst, TX 76389
Employees
13

Quick answers

Windthorst Federal Credit Union: common questions

Is Windthorst Federal Credit Union NCUA insured?

Yes. Windthorst Federal Credit Union is a federally insured credit union (NCUA charter #16373). 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 Windthorst Federal Credit Union's TellerScore?

73 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 Windthorst Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Windthorst

InstitutionScoreAssetsCapitalProblem loansCompare
The Jacksboro National BankBank Jacksboro, TX83 out of 100, Strong$283.2M11.4%0.01%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
First State BankBank Graham, TX81 out of 100, Strong$308.8M10.1%0.00%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs