Texas Tech Federal Credit Union Lubbock, Texas
Texas Tech Federal Credit Union is a federal credit union headquartered in Lubbock, TX, established in 1959 (NCUA charter 12858), and it is regulated and insured by the NCUA. At Q2 2026 it reported 37,060 members and total assets of $450.8M (up 6.5% from Q2 2025), the 67th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.73% at Q2 2026, in the well capitalized band.
Also written as Texas Tech FCU · Trade name filed with the NCUA: Texas Tech Credit Union
BankRegReports is independent of Texas Tech Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12858
- Headquarters
- Lubbock, TX
- Established
- 1959
- Total assets, Q2 2026
- $450.8M
- Assets vs Q2 2025
- +6.5%
- Members, Q2 2026
- 37,060
- Net worth ratio, Q2 2026
- 10.73%
- Latest call report
- Q2 2026, NCUA 5300 · Texas Tech Federal Credit Union call report
- Asset rank in state
- 67th of 377 in Texas
- Routing number
- 311386073
- Branches
- 6
It has 2,136 more members than on June 30, 2025 (+6.1%). Its net worth ratio was up 0.13 percentage points from 10.60% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $120.2M of $341.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.73% net worth ratio is below that band's 11.43% median.
Credit unions merged into Texas Tech Federal Credit Union
Lubbock Telco Federal Credit Union (2024) · Abilene Federal Credit Union (2023) · F C S Federal Credit Union (2019) · Lynn Co Federal Credit Union (2019) · Lubbock Teachers Federal Credit Union (2017) · Lubbock County Schools Federal Credit Union (2016)
Frequently asked about Texas Tech Federal Credit Union
How big is Texas Tech Federal Credit Union?
At Q2 2026 it reported total assets of $450.8M and 37,060 members.
Where is Texas Tech Federal Credit Union headquartered?
It is headquartered in Lubbock, TX, United States.
When was Texas Tech Federal Credit Union founded?
It was established in 1959, per NCUA records.
Is Texas Tech Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12858): 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 Texas Tech Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Texas Tech Federal Credit Union well capitalized?
Its net worth ratio was 10.73% 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 Texas Tech Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Texas Tech Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lubbock, TX 79409
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 12858
- RSSD ID
- 179586
- Members
- 37,060
- Potential members
- 210,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.73% | 11.43% | 39th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.08% | 0.81% | 66th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.07% | 7.02% | 76th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.56% | 3.70% | 41st below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 83.45% | 76.55% | 25th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.78% | 1.24% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.42% | 0.68% | 72nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.34% | 4.92% | 73rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 86.98% | 75.66% | 76th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$450.8M total assets against $423.1M; $392.8M total shares and deposits against $368.4M; $341.6M total loans against $308.0M.
$48.4M net worth against $44.9M.
10.73% net worth ratio against 10.60%.
86.98% loan-to-share ratio against 83.61%.
0.42% delinquency ratio against 0.28%.
1.08% return on assets against 0.55%; 10.07% return on equity against 5.21%.
3.56% net interest margin against 3.31%.
37,060 members against 34,924.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.73% | 1.08% | 0.42% | 86.98% |
| March 31, 2026 | 10.55% | 0.52% | 0.28% | 80.77% |
| December 31, 2025 | 10.54% | 0.75% | 0.54% | 80.16% |
| September 30, 2025 | 10.52% | 0.86% | 0.54% | 81.35% |
| June 30, 2025 | 10.60% | 0.55% | 0.28% | 83.61% |
| March 31, 2025 | 10.56% | 0.39% | 0.33% | 80.93% |
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.