Federal Employees Credit Union Texarkana, Texas
Federal Employees Credit Union is a state-chartered credit union headquartered in Texarkana, TX (NCUA charter 67414), and it is regulated and insured by the NCUA. At Q2 2026 it reported 349 members and total assets of $2.9M (down 11.2% from Q2 2025), the 357th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 22.93% at Q2 2026, in the well capitalized band.
Also written as Federal Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67414
- Headquarters
- Texarkana, TX
- Established
- Not reported
- Total assets, Q2 2026
- $2.9M
- Assets vs Q2 2025
- -11.2%
- Members, Q2 2026
- 349
- Net worth ratio, Q2 2026
- 22.93%
- Latest call report
- Q2 2026, NCUA 5300 · Federal Employees Credit Union call report
- Asset rank in state
- 357th of 377 in Texas
- Routing number
- 311989315
- Branches
- 1
It has 27 fewer members than on June 30, 2025 (-7.2%). Its net worth ratio was up 2.59 percentage points from 20.34% on June 30, 2025. Used vehicle loans are its largest loan category, $557K of $1.3M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Federal Employees Credit Union
How big is Federal Employees Credit Union?
At Q2 2026 it reported total assets of $2.9M and 349 members.
Where is Federal Employees Credit Union headquartered?
It is headquartered in Texarkana, TX, United States.
Is Federal Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67414): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Federal Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Federal Employees Credit Union well capitalized?
Its net worth ratio was 22.93% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Federal Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 59.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Texarkana, TX 75501
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67414
- RSSD ID
- 1016594
- Members
- 349
- Potential members
- 500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 22.93% | 14.31% | 83rd top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.42% | 0.72% | 15th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.83% | 4.74% | 17th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.77% | 3.93% | 80th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 108.84% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.06% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.83% | 4.70% | 55th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 59.88% | 58.92% | 51st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.9M total assets against $3.2M; $2.2M total shares and deposits against $2.6M; $1.3M total loans against $1.6M.
$654K net worth against $653K.
22.93% net worth ratio against 20.34%.
59.88% loan-to-share ratio against 61.13%.
-0.42% return on assets against 0.61%; -1.83% return on equity against 3.01%.
4.77% net interest margin against 5.00%.
349 members against 376.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 22.93% | -0.42% | — | 59.88% |
| March 31, 2026 | 22.97% | 0.28% | — | 62.20% |
| December 31, 2025 | 21.29% | 0.12% | — | 60.89% |
| September 30, 2025 | 20.75% | -0.38% | — | 61.81% |
| June 30, 2025 | 20.34% | 0.61% | — | 61.13% |
| March 31, 2025 | 20.26% | 0.28% | — | 57.89% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.