Amoco Federal Credit Union Texas City, Texas
Amoco Federal Credit Union is a federal credit union headquartered in Texas City, TX, established in 1937 (NCUA charter 2441), and it is regulated and insured by the NCUA. At Q2 2026 it reported 96,445 members and total assets of $1.49B (up 5.2% from Q2 2025), the 24th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 9.20% at Q2 2026, in the well capitalized band.
Also written as Amoco FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2441
- Headquarters
- Texas City, TX
- Established
- 1937
- Total assets, Q2 2026
- $1.49B
- Assets vs Q2 2025
- +5.2%
- Members, Q2 2026
- 96,445
- Net worth ratio, Q2 2026
- 9.20%
- Latest call report
- Q2 2026, NCUA 5300 · Amoco Federal Credit Union call report
- Asset rank in state
- 24th of 377 in Texas
- Routing number
- 313189391
- Branches
- 12
It has 10,189 fewer members than on June 30, 2025 (-9.6%). Its net worth ratio was up 0.05 percentage points from 9.15% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $603.8M of $1.22B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.20% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Texas
Frequently asked about Amoco Federal Credit Union
How big is Amoco Federal Credit Union?
At Q2 2026 it reported total assets of $1.49B and 96,445 members.
Where is Amoco Federal Credit Union headquartered?
It is headquartered in Texas City, TX, United States.
When was Amoco Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is Amoco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2441): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Amoco Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Amoco Federal Credit Union well capitalized?
Its net worth ratio was 9.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Amoco Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.93% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Amoco Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Texas City, TX 77590
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 2441
- RSSD ID
- 1017573
- Members
- 96,445
- Potential members
- 5,400,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.20% | 10.89% | 14th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.41% | 0.89% | 16th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.48% | 8.07% | 20th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.57% | 3.45% | 59th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 81.14% | 70.59% | 14th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.52% | 1.68% | 63rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.93% | 0.68% | 33rd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.09% | 5.12% | 48th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.16% | 88.03% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.49B total assets against $1.41B; $1.31B total shares and deposits against $1.23B; $1.22B total loans against $1.17B.
$136.7M net worth against $129.4M.
9.20% net worth ratio against 9.15%.
93.16% loan-to-share ratio against 94.58%.
0.93% delinquency ratio against 0.63%.
0.41% return on assets against 1.03%; 4.48% return on equity against 11.28%.
3.57% net interest margin against 3.78%.
96,445 members against 106,634.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.20% | 0.41% | 0.93% | 93.16% |
| March 31, 2026 | 9.04% | 0.30% | 0.48% | 89.97% |
| December 31, 2025 | 9.14% | 0.54% | 0.72% | 91.32% |
| September 30, 2025 | 9.26% | 1.00% | 0.74% | 93.94% |
| June 30, 2025 | 9.15% | 1.03% | 0.63% | 94.58% |
| March 31, 2025 | 8.84% | 0.38% | 0.70% | 92.38% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.