Credit union · NCUA insured
Pantex Federal Credit Union
A $239.2M credit union headquartered in Borger, TX, with 14,640 members and 4 branches in Texas. Best rates: CDs 3.82% and savings 0.95% APY.
Pantex Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#5 of 5 in Borger, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pantex Federal Credit Union
Based in Borger, Texas, Pantex Federal Credit Union is a member-owned financial institution originally founded in 1940.
It was originally founded by seven individuals to serve employees of Phillips Petroleum Company in Hutchinson County, Texas.
The credit union operates its main office and three additional branches across Borger, Fritch, and Pampa, Texas.
- Headquarters
- 1300 W Wilson St, Borger, TX 79007
- NCUA charter
- 3571
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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteer or attend school in and businesses and other legal entities in the area within the city limits of Amarillo inside of Potter County.
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within Hutchinson County.
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within the southern city limits of Pampa, Tx in Gray County.
Employers and groups
- Employees of American Fertilizer & Chemical Company who work at Henderson, Colorado.
- Employees of Anadarko Petroleum who work in Hutchinson County.
- Employees of specified entities (Agrium, Inc., Golden Plains Community Hospital, H.B. Zachry Company, J.M. Huber Corporation, Engineered Carbons, Inc., Sid Richard Carbon and Gasoline Company) who work in Borger, TX.
13 more ways to join
Employers and groups
- Management or supervisory employees of construction or maintenance firms who work under contract with Phillips Petroleum Company or J.M. Huber/ECI Companies in Hutchinson County or Beaver or Texas Counties of Oklahoma.
- Employees of this credit union.
- Employees of DCP (f.k.a. Duke Energies) who work in Texas, New Mexico, or Beaver or Texas counties of Oklahoma.
- Employees of HydroChem Industrial who work at the Phillips Refinery.
- Employees of United Supermarkets, G.P. Guinn Trucking, Inc., Country Chevrolet, Spradling, Inc., Gasket and Packings, Inc., AMECO, or Harvey Tire Company who work in Borger.
- Employees of Phillips Petroleum Company and Phillips Pipeline Company who work in Beaver and Texas counties of Oklahoma, and Natrona and Converse counties in Wyoming.
- Employees of Phillips Petroleum Company who work in Alaska, or at designated plants in Nebraska, Washington, or Ohio.
- Employees of Phillips Petroleum Company who work in Texas or New Mexico, including designated Borger Strategic Business Unit and Philtex/Ryton Complex employees.
- Members of Local Union #463 in Borger, Texas.
Military, government and schools
- Employees of specified political subdivisions of the State of Texas (The City of Borger, The City of Fritch, The City of Panhandle, The City of Stinnett, Hutchinson County, Hutchinson County Appraisal District).
Family and household
- Members of immediate families.
Other ways
- Persons retired from all the above-mentioned employment.
- Spouses of persons who died while within the field of membership of this credit union.
Branches
4 branches in Texas
Loading map…
Texas
4 branches
Borger area · 3
- Main OfficeMain office1300 W Wilson St, Borger, TX 79007Directions
- WalMart Office1501 W Roosevelt St, Borger, TX 79007Directions
- Fritch Office411 E Broadway St, Fritch, TX 79036Directions
Pampa area · 1
- Pampa Office807 N Sumner St, Pampa, TX 79065Directions
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 | 22.25% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.69% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $35 | $76 | — |
- CapitalNet worth ratio22.25%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.69%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$35Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Pantex 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.