Credit Union Safety Analysis
Is Alcon Employees Federal Credit Union Safe? Fort Worth, Texas
Based on its Q2 2026 NCUA 5300 call report, Alcon Employees Federal Credit Union has a net worth ratio of 21.70%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.07%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Alcon Employees Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Alcon Employees Federal Credit Union's net worth ratio is 21.70%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.70%
- Delinquency ratio (60+ days) (Q2 2026): 0.07%
- Return on assets (Q2 2026): -0.07%
- Loan-to-share ratio (Q2 2026): 84.64%
Alcon Employees Federal Credit Union (NCUA charter 20990, established 1972) reported $29.9M in assets and 2,581 members for Q2 2026 from Fort Worth, Texas. It ranks 220 of 377 credit unions in Texas by total assets. Total assets fell 1.2% from $30.3M on June 30, 2025. It has 12 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.23 percentage points from 21.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.6M of $19.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.07% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 21.45% for Q1 2026; 21.47% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.30% for Q1 2026; 0.40% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.30% for Q1 2026; -0.07% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 83.61% for Q1 2026; 85.57% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $9.6M
- Used vehicle loans: $4.3M
- New vehicle loans: $4.2M
- Other secured non-real estate loans and lines of credit: $859K
- Other unsecured loans and lines of credit: $531K
- Unsecured credit card loans: $311K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $29.9M | 21.70% | 0.07% | -0.07% | 84.64% |
| March 31, 2026 | $30.3M | 21.45% | 0.30% | -0.30% | 83.61% |
| December 31, 2025 | $29.1M | 22.38% | 0.26% | 0.11% | 87.65% |
| September 30, 2025 | $29.3M | 22.25% | 0.26% | 0.24% | 88.80% |
| June 30, 2025 | $30.3M | 21.47% | 0.40% | -0.07% | 85.57% |
| March 31, 2025 | $31.7M | 20.55% | 0.11% | -0.09% | 82.60% |
Add this badge to your website
Free to use. It shows Alcon Employees Federal Credit Union’s latest filed figures and updates each quarter.
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.
Alcon Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20990) · FFIEC NIC profile (RSSD 606989)
Frequently asked questions
Is Alcon Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alcon Employees Federal Credit Union's net worth ratio is 21.70%, above the 7% NCUA threshold for well capitalized.
Is Alcon Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alcon Employees Federal Credit Union is a federally insured credit union (NCUA charter 20990): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alcon Employees Federal Credit Union's key safety ratios?
For Q2 2026, Alcon Employees Federal Credit Union reports net worth 21.70%, delinquency 0.07%, ROA -0.07%, loan-to-share 84.64%.
What happens to my money if Alcon Employees Federal Credit Union fails?
For Q2 2026, Alcon Employees Federal Credit Union held $23.4M in shares and deposits for 2,581 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.