Credit union · NCUA insured
Fannin Federal Credit Union
A $79.5M credit union headquartered in Bonham, TX, with 6,717 members and 1 branch in Texas.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Fannin Federal Credit Union
Fannin Federal Credit Union is a member-owned financial institution serving persons and businesses located in Fannin County, Texas.
- Headquarters
- 1737 N State Highway 121, Bonham, TX 75418
- NCUA charter
- 17254
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, attend school, or own a business or other legal entities located in Fannin County, Texas are eligible for membership.
Family and household
- Immediate family members—defined as spouse, child, stepchild, sibling, parent, grandparent, or grandchild—of eligible persons qualify for membership.
Cost to join
- An opening deposit of at least $10 into a share/savings account is required to join.
Branches
1 branch in Texas
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Texas
1 branch
- Main OfficeMain office1737 N State Highway 121, Bonham, TX 75418Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.21% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.61% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.42% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio20.21%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.61%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.42%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Fannin Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.