Credit union · NCUA insured
Morris Sheppard Texarkana FCU
A $13.4M credit union headquartered in Texarkana, TX, with 1,251 members and 1 branch in Texas. Best rates: CDs 4.08% APY.
Morris Sheppard Texarkana FCU Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#6 of 8 in Texarkana, TX-AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Morris Sheppard Texarkana FCU
Chartered in 1934 as the first federal credit union, Morris Sheppard Texarkana Federal Credit Union is a member-owned cooperative.
Headquartered in Texarkana, Texas, the credit union focuses on providing financial services to members of the Texarkana community.
- Headquarters
- 419 W 4th St, Texarkana, TX 75501
- NCUA charter
- 1
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Texarkana Water Utilities are eligible for membership.
Military, government and schools
- Employees of Bowie County are eligible for membership.
- Employees of City of Nash, TX are eligible for membership.
- Employees of City of Texarkana, AR are eligible for membership.
- Employees of City of Texarkana, TX are eligible for membership.
- Employees of City of Wake Village, TX are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of Miller County are eligible for membership.
Family and household
- Immediate family members (spouse, children, and grandchildren) of employees of qualifying employer groups or members are eligible to join.
Branches
1 branch in Texas
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Texas
1 branch
- Morris Sheppard Texarkana FcuMain office419 W 4th St, Texarkana, TX 75501Directions
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 | 11.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.45% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.11% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $79 | $59 | — |
- CapitalNet worth ratio11.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.45%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.11%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$79Peers’ 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 Morris Sheppard Texarkana FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.