Texell Credit Union Temple, Texas
Texell Credit Union is a state-chartered credit union headquartered in Temple, TX, established in 1948 (NCUA charter 68608), and it is regulated and insured by the NCUA. At Q2 2026 it reported 53,988 members and total assets of $801.0M (up 4.6% from Q2 2025), the 48th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.48% at Q2 2026, in the well capitalized band.
Also written as Texell 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
- 68608
- Headquarters
- Temple, TX
- Established
- 1948
- Total assets, Q2 2026
- $801.0M
- Assets vs Q2 2025
- +4.6%
- Members, Q2 2026
- 53,988
- Net worth ratio, Q2 2026
- 10.48%
- Latest call report
- Q2 2026, NCUA 5300 · Texell Credit Union call report
- Asset rank in state
- 48th of 377 in Texas
- Routing number
- 311989250
- Branches
- 8
It has 423 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.74 percentage points from 9.74% on June 30, 2025. Used vehicle loans are its largest loan category, $191.1M of $626.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.48% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Texas
Frequently asked about Texell Credit Union
How big is Texell Credit Union?
At Q2 2026 it reported total assets of $801.0M and 53,988 members.
Where is Texell Credit Union headquartered?
It is headquartered in Temple, TX, United States.
When was Texell Credit Union founded?
It was established in 1948, per NCUA records.
Is Texell Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68608): 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 Texell 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 Texell Credit Union well capitalized?
Its net worth ratio was 10.48% 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 Texell Credit Union's delinquency ratio?
Its delinquency ratio was 0.60% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Texell Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.55% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Temple, TX 76502
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 68608
- RSSD ID
- 360272
- Members
- 53,988
- Potential members
- 30,029,572
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 3 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% | 10.48% | 11.43% | 35th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.25% | 0.81% | 76th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.93% | 7.02% | 86th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.11% | 3.70% | 76th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 71.35% | 76.55% | 67th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.61% | 1.24% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.60% | 0.68% | 57th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.73% | 4.92% | 87th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 89.55% | 75.66% | 81st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$801.0M total assets against $765.9M; $700.0M total shares and deposits against $673.6M; $626.8M total loans against $600.4M.
$84.0M net worth against $74.6M.
10.48% net worth ratio against 9.74%.
89.55% loan-to-share ratio against 89.13%.
0.60% delinquency ratio against 0.61%.
1.25% return on assets against 1.32%; 11.93% return on equity against 13.59%.
4.11% net interest margin against 3.94%.
53,988 members against 53,565.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.48% | 1.25% | 0.60% | 89.55% |
| March 31, 2026 | 10.37% | 1.40% | 0.51% | 89.12% |
| December 31, 2025 | 10.24% | 0.76% | 0.47% | 91.17% |
| September 30, 2025 | 10.08% | 1.64% | 0.47% | 88.25% |
| June 30, 2025 | 9.74% | 1.32% | 0.61% | 89.13% |
| March 31, 2025 | 9.44% | 0.45% | 0.49% | 87.10% |
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.