Credit union · NCUA insured
Postel Family Credit Union
A $83M credit union headquartered in Wichita Falls, TX, with 5,826 members and 1 branch in Texas. Best rates: CDs 3.45% and savings 0.50% APY.
Postel Family Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#8 of 13 in Wichita Falls, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Postel Family Credit Union
Headquartered in Wichita Falls, Texas, PosTel Family Credit Union was founded in 1929 by local postal employees.
The credit union adopted its current name after merging with Wichita Telco Federal Credit Union in 1998, later acquiring Archer County Credit Union and TexDot-WF Credit Union.
It serves individuals across Archer, Baylor, Clay, Wichita, and Wilbarger counties in Texas.
- Headquarters
- 4400 Maplewood Ave, Wichita Falls, TX 76308
- NCUA charter
- 67554
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who works, resides, worships, or attends school in Archer, Baylor, Clay, Wichita, or Wilbarger Counties in Texas.
Employers and groups
- Membership is open to employees of designated select employee groups/employers.
Military, government and schools
- Membership is open to specified federal, postal, state, and local government agency employees.
Family and household
- Membership is open to families of existing members.
Branches
1 branch in Texas
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Texas
1 branch
- MaplewoodMain office4400 Maplewood Ave, Wichita Falls, TX 76308Directions
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 | 11.05% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.33% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $53 | $59 | — |
- CapitalNet worth ratio11.05%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.33%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$53Peers’ 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 Postel Family Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.