Credit Union Safety Analysis
Is A+ Federal Credit Union Safe? Austin, Texas
Based on its Q2 2026 NCUA 5300 call report, A+ Federal Credit Union has a net worth ratio of 13.67%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.08%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, A+ Federal Credit Union's net worth ratio is 13.67%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.67%
- Delinquency ratio (60+ days) (Q2 2026): 2.08%
- Return on assets (Q2 2026): 1.10%
- Loan-to-share ratio (Q2 2026): 100.38%
A+ Federal Credit Union (NCUA charter 6178, established 1949) reported $2.58B in assets and 191,614 members for Q2 2026 from Austin, Texas. It ranks 13 of 377 credit unions in Texas by total assets. Total assets grew 2.8% from $2.51B on June 30, 2025. It has 1,619 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.53 percentage points from 13.14% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $983.1M of $2.07B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.08% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.60% for Q1 2026; 13.14% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 2.04% for Q1 2026; 2.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.69% for Q1 2026; 0.86% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 100.23% for Q1 2026; 101.79% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $983.1M
- Used vehicle loans: $392.8M
- Other secured non-real estate loans and lines of credit: $252.7M
- Commercial loans: $192.8M
- New vehicle loans: $129.9M
- Other unsecured loans and lines of credit: $118.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.58B | 13.67% | 2.08% | 1.10% | 100.38% |
| March 31, 2026 | $2.58B | 13.60% | 2.04% | 0.69% | 100.23% |
| December 31, 2025 | $2.56B | 13.50% | 2.37% | 0.80% | 100.71% |
| September 30, 2025 | $2.53B | 13.45% | 2.36% | 1.81% | 100.95% |
| June 30, 2025 | $2.51B | 13.14% | 2.24% | 0.86% | 101.79% |
| March 31, 2025 | $2.51B | 13.09% | 1.94% | 0.42% | 102.27% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
A+ Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6178) · FFIEC NIC profile (RSSD 775380)
Frequently asked questions
Is A+ Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, A+ Federal Credit Union's net worth ratio is 13.67%, above the 7% NCUA threshold for well capitalized.
Is A+ Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. A+ Federal Credit Union is a federally insured credit union (NCUA charter 6178): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are A+ Federal Credit Union's key safety ratios?
For Q2 2026, A+ Federal Credit Union reports net worth 13.67%, delinquency 2.08%, ROA 1.10%, loan-to-share 100.38%.
What happens to my money if A+ Federal Credit Union fails?
For Q2 2026, A+ Federal Credit Union held $2.06B in shares and deposits for 191,614 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.