TellerScore

Worth Credit Union is a federally insured state-chartered credit union headquartered in Bedford, Texas, in business for about 86 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in member shares and deposits, with 10 offices.

Based on its Q2 2026 filing, Worth Credit Union scores 70/100, which we describe as strong. That is higher than 58% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 210th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 9% uninsured), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.81%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity100/100
Loans ÷ shares: 55.2% · 9.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.23%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202468
Q1 202572
Q2 202570
Q3 202569
Q4 202571
Q1 202669
Q2 202670
Net worth ratio
7.00%8.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.00%
Q3 202410.24%
Q4 202410.20%
Q1 202510.17%
Q2 202510.24%
Q3 202510.38%
Q4 202510.49%
Q1 202610.55%
Q2 202610.81%
Delinquent loans (60+ days)
0.59%0.72%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.67%
Q4 20240.86%
Q1 20250.59%
Q2 20250.67%
Q3 20250.80%
Q4 20250.64%
Q1 20260.63%
Q2 20260.62%
Return on assets
0.55%0.78%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.78%
Q4 20240.78%
Q1 20251.00%
Q2 20250.88%
Q3 20250.81%
Q4 20250.80%
Q1 20260.56%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.3B10.81%0.62%0.55%55.2%
Q1 202669$1.3B10.55%0.63%0.56%53.0%
Q4 202571$1.3B10.49%0.64%0.80%54.0%
Q3 202569$1.3B10.38%0.80%0.81%54.9%
Q2 202570$1.3B10.24%0.67%0.88%56.6%
Q1 202572$1.3B10.17%0.59%1.00%57.6%
Q4 202468$1.2B10.20%0.86%0.78%59.8%
Q3 202469$1.2B10.24%0.67%0.78%62.7%
Q2 202470$1.2B10.00%0.62%0.87%63.6%

454 peers · $1 billion – $10 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 ratio10.81%
48th
Problem loans0.62%
57th
Net charge-offs0.83%
22nd
Return on assets0.55%
26th
Loans to deposits55.2%
96th
Uninsured deposits9.3%
50th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
72nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Firstmark Credit UnionCredit union San Antonio, TX65 out of 100, Moderate$1.3B9.6%0.70%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs
Amplify Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.3B10.8%0.70%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Rave Financial Credit UnionCredit union Beaumont, TX71 out of 100, Strong$1.2B12.8%0.57%vs
Neighborhood Credit UnionCredit union Dallas, TX59 out of 100, Moderate$1.1B10.8%1.54%vs

Deposit insurance

Is my money safe at Worth Credit Union?

Yes. Worth Credit Union is a federally insured credit union (NCUA charter #68471). 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 9.3% of shares and deposits ($105.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Worth Credit Union lists 10 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Worth Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68471
RSSD ID
325271
Primary regulator
State + NCUA
Established
1940
Headquarters
PO Box 210848, Bedford, TX 76095
Employees
185

Quick answers

Worth Credit Union: common questions

Is Worth Credit Union NCUA insured?

Yes. Worth Credit Union is a federally insured credit union (NCUA charter #68471). 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 Worth Credit Union's TellerScore?

70 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 Worth Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bedford

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs