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P.O. Box 165448
Irving, TX 75016

Qualtrust Credit Union is headquartered in Irving and is the 83rd largest credit union in the state of Texas. It is also the 949th largest credit union in the nation. It was established in 1948 and as of December of 2013, it had grown to 68 employees and 23,828 members. Qualtrust Credit Union has a A health rating.

Field of Membership Restrictions

Any business or other legal entity, or any person who lives, works, worships, or attends school within a 10-mile radius of our Irving, Flower Mound and Bedford branches is eligible for membership. In our San Angelo area, anyone who lives in Tom Green county. - See Details

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Reviews (1)

Customer Service

The Irving location has new management and move all their member services to the 2nd floor. When I ask to see the member service, the front desk refused and said I had to see the teller. After asking 2 or 3 times she still refused so I asked for the manager and finally they send someone from the 2nd floor to the empty member office on the 1st floor, which she was very helpfully. Not sure if this credit union will last with the new management. Customer service is apparently not their main focus, too bad since they seem to have good people.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Qualtrust Credit Union had $1.47 million in non-current loans and owned real-estate with $19.2 million in equity and loan loss allowances on hand to cover it. This gives Qualtrust Credit Union a Texas Ratio of 7.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Qualtrust Credit Union decreased slightly from 9.01% as of December 31, 2012 to 7.64% as of December 31, 2013, resulting in a positive change of 15.22%.This indicates that the balance sheet and financial strength for Qualtrust Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Qualtrust Credit Union has increased its total deposits by $2.82 million, resulting in 1.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Qualtrust Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Qualtrust Credit Union has $189.86 million in assets with $19.2 million in equity, resulting in a capitalization level of 10.11%, which is above average.

Institution Statistics

NCUA #68569
Year Chartered1948
Primary Regulator
Assets and Liabilities
Assets$189.86 million
Loans$151.17 million
Deposits$168.39 million
Equity Capital$18.45 million
Loan Loss Allowance$743,000
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$210,000
Historic Data - December 2012
Assets$185.56 million
Equity Capital$17.54 million
Loan Loss Allowance$774,000
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$15,000
Profit Margin - Quarterly
Net Interest Margin4.3%
Return on Assets0.48%
Return on Equity4.93%
Interest Income$7.54 million

Always verify rates and promotions with the bank or credit union. We are not Qualtrust Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Qualtrust Credit Union Savings Account Rates

0.15%--IRA Share - Traditional IRA
0.15%--IRA Share - Roth IRA
0.15%--IRA Share - CESA
0.15%--IRA Share - SEP IRA

Qualtrust Credit Union Money Market Rates

0.15%$2,500-Money Market

Qualtrust Credit Union Checking Account Rates

0.30%$30k-Investment Checking
0.05%$1k-Member Checking
0.05%--Circle of Success Checking

Qualtrust Credit Union CD Rates

0.50%$1k-2 Year Term Share Certificate
0.50%$1k-30 Month Term Share Certificate
0.50%$1k-3 Year Term Share Certificate
0.50%$1k-4 Year Term Share Certificate
0.50%$1k-5 Year Term Share Certificate
0.45%$1k-18 Month Term Share Certificate
0.40%$1k-1 Year Term Share Certificate
0.40%$250-1 Year Smart Start Term Share Certificate
0.25%$1k-6 Month Term Share Certificate
0.15%$1k-3 Month Term Share Certificate

Qualtrust Credit Union IRA Rates

0.50%$1k-2 Year IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-30 Month IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-3 Year IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-4 Year IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-5 Year IRA (Traditional,Roth,CESA,SEP)
0.45%$1k-18 Month IRA (Traditional,Roth,CESA,SEP)
0.40%$1k-1 Year IRA (Traditional,Roth,CESA,SEP)
0.25%$1k-6 Month IRA (Traditional,Roth,CESA,SEP)
0.15%$1k-3 Month IRA (Traditional,Roth,CESA,SEP)

Qualtrust Credit Union Locations
Branch Office2501 Flower Mound RdFlower Mound, TX 75028
Branch Office3800 Cheek Sparger RdBedford, TX 760213038
Branch Office2601 Loop 306San Angelo, TX 76904
Branch Office6201 Campus Circle Dr EIrving, TX 75063
Branch Office34 S Main StSan Angelo, TX 76903-5927