Credit union · NCUA insured
West Texas CU
A $70.3M credit union headquartered in Odessa, TX, with 5,135 members and 3 branches in Texas. Best rates: CDs 3.60% and savings 0.90% APY.
West Texas CU Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#6 of 15 in Odessa, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About West Texas CU
West Texas Credit Union is headquartered in Odessa, Texas.
- Headquarters
- 4301 Mission Blvd, Odessa, TX 79765
- NCUA charter
- 67592
Branches
3 branches in Texas
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Texas
3 branches
Odessa area · 2
- 52nd St. Office4440 E 52nd St, Odessa, TX 79762Directions
- Lee St. Office1001 N Lee Ave, Odessa, TX 79761Directions
Midland area · 1
- Mission HeadquartersMain office4301 Mission Blvd, Odessa, TX 79765Directions
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 | 9.30% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.07% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.11% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio9.30%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.07%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.11%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ 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 West Texas CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.