Scott & White Employees Credit Union Temple, Texas
Scott & White Employees Credit Union is a state-chartered credit union headquartered in Temple, TX (NCUA charter 67612), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,685 members and total assets of $71.7M (up 2.0% from Q2 2025), the 168th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 18.49% at Q2 2026, in the well capitalized band.
Also written as Scott & White 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
- 67612
- Headquarters
- Temple, TX
- Established
- Not reported
- Total assets, Q2 2026
- $71.7M
- Assets vs Q2 2025
- +2.0%
- Members, Q2 2026
- 4,685
- Net worth ratio, Q2 2026
- 18.49%
- Latest call report
- Q2 2026, NCUA 5300 · Scott & White Employees Credit Union call report
- Asset rank in state
- 168th of 377 in Texas
- Routing number
- 311989247
- Branches
- 1
It has 77 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 2.13 percentage points from 16.36% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.2M of $40.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.49% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Scott & White Employees Credit Union
How big is Scott & White Employees Credit Union?
At Q2 2026 it reported total assets of $71.7M and 4,685 members.
Where is Scott & White Employees Credit Union headquartered?
It is headquartered in Temple, TX, United States.
Is Scott & White Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67612): 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 Scott & White 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 Scott & White Employees Credit Union well capitalized?
Its net worth ratio was 18.49% 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 Scott & White Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.75% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Scott & White Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Temple, TX 76508
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67612
- RSSD ID
- 976598
- Members
- 4,685
- Potential members
- 12,000
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 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.49% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.26% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 12.21% | 4.74% | 89th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.89% | 3.93% | 48th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 47.92% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.62% | 0.78% | 60th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.75% | 0.86% | 55th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.51% | 4.70% | 40th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 70.42% | 58.92% | 67th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$71.7M total assets against $70.3M; $57.6M total shares and deposits against $58.2M; $40.6M total loans against $37.1M.
$13.3M net worth against $11.5M.
18.49% net worth ratio against 16.36%.
70.42% loan-to-share ratio against 63.75%.
0.75% delinquency ratio against 0.49%.
2.26% return on assets against 2.41%; 12.21% return on equity against 14.74%.
3.89% net interest margin against 3.89%.
4,685 members against 4,608.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.49% | 2.26% | 0.75% | 70.42% |
| March 31, 2026 | 18.94% | 2.22% | 0.30% | 65.00% |
| December 31, 2025 | 17.46% | 2.19% | 0.35% | 67.23% |
| September 30, 2025 | 16.85% | 2.35% | 0.92% | 63.41% |
| June 30, 2025 | 16.36% | 2.41% | 0.49% | 63.75% |
| March 31, 2025 | 14.97% | 2.44% | 0.38% | 61.29% |
Scroll sideways to see every column.
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.