TellerScore

Yantis Federal Credit Union (NCUA charter #10502) is based in Yantis, Texas. Its Q2 2026 call report shows $26.8M in total assets and $22.8M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Yantis Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 104th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is earnings (37/100; 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.44%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity93/100
Loans ÷ shares: 67.2% · 4.6% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.04%

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 5 points (77 → 82), mostly because the earnings component improved by 17 points.

TellerScore
737882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202477
Q1 202573
Q2 202577
Q3 202580
Q4 202578
Q1 202680
Q2 202682
Net worth ratio
7.00%10.43%13.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.13%
Q3 202413.36%
Q4 202413.04%
Q1 202512.85%
Q2 202512.82%
Q3 202513.85%
Q4 202513.68%
Q1 202613.46%
Q2 202613.44%
Delinquent loans (60+ days)
0.00%0.14%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.28%
Q2 20250.00%
Q3 20250.03%
Q4 20250.13%
Q1 20260.09%
Q2 20260.01%
Return on assets
-0.25%0.09%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.25%
Q3 2024-0.08%
Q4 2024-0.10%
Q1 2025-0.22%
Q2 20250.00%
Q3 20250.00%
Q4 20250.02%
Q1 20260.31%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$26.8M13.44%0.01%0.43%67.2%
Q1 202680$28.5M13.46%0.09%0.31%64.7%
Q4 202578$27.9M13.68%0.13%0.02%65.6%
Q3 202580$27.5M13.85%0.03%0.00%66.0%
Q2 202577$29.8M12.82%0.00%0.00%61.5%
Q1 202573$29.7M12.85%0.28%-0.22%61.6%
Q4 202477$29.3M13.04%0.00%-0.10%64.7%
Q3 202477$28.6M13.36%0.00%-0.08%69.2%
Q2 202475$29.0M13.13%0.00%-0.25%67.1%

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 ratio13.44%
42nd
Problem loans0.01%
86th
Net charge-offs0.07%
60th
Return on assets0.43%
39th
Loans to deposits67.2%
38th
Uninsured deposits4.6%
24th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texhillco School Employees Federal Credit UnionCredit union Kerrville, TX58 out of 100, Moderate$26.7M9.9%0.61%vs
Dallas U.P. Employees Credit UnionCredit union Dallas, TX81 out of 100, Strong$27.2M24.3%1.54%vs
Anderson County Federal Credit UnionCredit union Palestine, TX78 out of 100, Strong$27.3M17.2%2.32%vs
The Local Federal Credit UnionCredit union Dallas, TX72 out of 100, Strong$25.8M21.2%0.57%vs
Concho Valley Credit UnionCredit union San Angelo, TX78 out of 100, Strong$25.7M11.4%0.14%vs
Shared Resources Credit UnionCredit union Pasadena, TX64 out of 100, Moderate$25.4M12.7%0.57%vs

Deposit insurance

Is my money safe at Yantis Federal Credit Union?

Yes. Yantis Federal Credit Union is a federally insured credit union (NCUA charter #10502). 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 4.6% of shares and deposits ($1.1M) 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 13.44%, well 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

Yantis Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Alba, TX (1)
  • Yantis, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Yantis Federal Credit Union
Type
Federal credit union
NCUA charter #
10502
RSSD ID
746689
Primary regulator
NCUA
Established
1955
Headquarters
Po Box 267, Yantis, TX 75497
Employees
9

Quick answers

Yantis Federal Credit Union: common questions

Is Yantis Federal Credit Union NCUA insured?

Yes. Yantis Federal Credit Union is a federally insured credit union (NCUA charter #10502). 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 Yantis Federal Credit Union's TellerScore?

82 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 Yantis Federal Credit Union have?

2 offices as of the latest NCUA data.