TellerScore

Headquartered in Plains, Texas, Yoakum County Federal Credit Union is a federal credit union with $8.0M in total assets and $6.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1949.

Yoakum County Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 88th. Capital cushion contributes the most (100/100, 24.95%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.95%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity87/100
Loans ÷ shares: 73.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.19%

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 17 points (67 → 84), mostly because the loan quality component improved by 47 points.

TellerScore
677684Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202479
Q4 202478
Q1 202577
Q2 202567
Q3 202573
Q4 202579
Q1 202680
Q2 202684
Net worth ratio
7.00%15.97%24.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.84%
Q3 202421.98%
Q4 202422.36%
Q1 202523.18%
Q2 202523.35%
Q3 202522.99%
Q4 202523.30%
Q1 202624.59%
Q2 202624.95%
Delinquent loans (60+ days)
0.09%1.06%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.03%
Q3 20241.26%
Q4 20240.77%
Q1 20250.34%
Q2 20251.51%
Q3 20250.99%
Q4 20250.14%
Q1 20260.82%
Q2 20260.09%
Return on assets
-0.86%0.12%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20240.76%
Q4 20240.07%
Q1 2025-0.86%
Q2 2025-0.80%
Q3 2025-0.28%
Q4 2025-0.31%
Q1 20260.60%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$8.0M24.95%0.09%0.31%73.3%
Q1 202680$8.1M24.59%0.82%0.60%71.2%
Q4 202579$8.5M23.30%0.14%-0.31%68.0%
Q3 202573$8.6M22.99%0.99%-0.28%62.8%
Q2 202567$8.5M23.35%1.51%-0.80%61.5%
Q1 202577$8.6M23.18%0.34%-0.86%63.9%
Q4 202478$9.0M22.36%0.77%0.07%61.3%
Q3 202479$9.3M21.98%1.26%0.76%62.0%
Q2 202474$9.4M21.84%2.03%1.10%65.0%

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 ratio24.95%
88th
Problem loans0.09%
81st
Net charge-offs0.12%
55th
Return on assets0.31%
32nd
Loans to deposits73.3%
28th
Uninsured deposits0.0%
81st
Loan-loss reserves0.22%
75th
Texas ratio0.2%
82nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Credit UnionCredit union Houston, TX59 out of 100, Moderate$7.9M32.9%5.55%vs
Oak Cliff Christian Federal Credit UnionCredit union Dallas, TX56 out of 100, Moderate$7.8M7.2%0.78%vs
Tex Mex Credit UnionCredit union Laredo, TX60 out of 100, Moderate$8.4M23.9%2.49%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
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

Deposit insurance

Is my money safe at Yoakum County Federal Credit Union?

Yes. Yoakum County Federal Credit Union is a federally insured credit union (NCUA charter #6472). 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 0.0% of shares and deposits ($0) 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 24.95%, 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

Yoakum County Federal Credit Union lists 2 offices in 1 city. Most locations:

  • Plains, TX (2)

All branch addresses and map

Identity & history

Profile

Legal name
Yoakum County Federal Credit Union
Type
Federal credit union
NCUA charter #
6472
RSSD ID
23689
Primary regulator
NCUA
Established
1949
Headquarters
Po Box 395, Plains, TX 79355
Employees
3

Quick answers

Yoakum County Federal Credit Union: common questions

Is Yoakum County Federal Credit Union NCUA insured?

Yes. Yoakum County Federal Credit Union is a federally insured credit union (NCUA charter #6472). 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 Yoakum County Federal Credit Union's TellerScore?

84 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 Yoakum County Federal Credit Union have?

2 offices as of the latest NCUA data.