Credit union · NCUA insured
Scott and White Employees CU
A $73.2M credit union headquartered in Temple, TX, with 4,688 members and 1 branch in Texas. Best rates: CDs 3.50% and savings 0.05% APY.
Scott and White Employees CU Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#10 of 18 in Killeen, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Scott and White Employees CU
Chartered in 1962 by the employees of Scott & White, Scott & White Employees Credit Union is a member-owned financial cooperative based in Temple, Texas.
The state-chartered credit union is regulated by the Texas Credit Union Department.
- Headquarters
- 2401 S 31st St, Temple, TX 76508-0001
- NCUA charter
- 67612
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This may be incomplete or out of date, so check with the credit union before you apply.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 resides, works, attends school, or owns a business in Bell County.
Employers and groups
- Membership is open to all employees of Baylor Scott and White and its affiliates.
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- All new memberships require opening a Regular Savings Account with a minimum deposit of $25.00 that must remain to maintain membership and ownership.
Branches
1 branch in Texas
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Texas
1 branch
- Scott & White Empolyees Credit UnionMain office2401 S 31st St, Temple, TX 76508Directions
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 | 18.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.75% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.27% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio18.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.75%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.27%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ 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 Scott and White Employees CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.