Credit Union Safety Analysis
Is Aspire Credit Union Safe? Lufkin, Texas
Based on its Q2 2026 NCUA 5300 call report, Aspire Credit Union has a net worth ratio of 20.52%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.05%, 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, Aspire Credit Union's net worth ratio is 20.52%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.52%
- Delinquency ratio (60+ days) (Q2 2026): 0.05%
- Return on assets (Q2 2026): 1.32%
- Loan-to-share ratio (Q2 2026): 74.94%
Aspire Credit Union (NCUA charter 67489) reported $38.0M in assets and 2,633 members for Q2 2026 from Lufkin, Texas. It ranks 206 of 377 credit unions in Texas by total assets. Total assets were about level with $38.0M on June 30, 2025. It has 48 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 1.66 percentage points from 18.86% on June 30, 2025. Used vehicle loans are its largest loan category, $8.7M of $22.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.05% 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: 20.22% for Q1 2026; 18.86% 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: 0.10% for Q1 2026; 0.06% 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: 1.80% for Q1 2026; 2.38% 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: 77.00% for Q1 2026; 72.17% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.7M
- New vehicle loans: $4.4M
- 1- to 4-family residential and other consumer real estate loans: $3.8M
- Other secured non-real estate loans and lines of credit: $3.3M
- Other unsecured loans and lines of credit: $1.2M
- Unsecured credit card loans: $1.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $38.0M | 20.52% | 0.05% | 1.32% | 74.94% |
| March 31, 2026 | $37.9M | 20.22% | 0.10% | 1.80% | 77.00% |
| December 31, 2025 | $38.4M | 19.54% | 0.19% | 1.64% | 72.06% |
| September 30, 2025 | $38.5M | 19.08% | 0.19% | 1.85% | 72.87% |
| June 30, 2025 | $38.0M | 18.86% | 0.06% | 2.38% | 72.17% |
| March 31, 2025 | $38.1M | 18.21% | 0.02% | 1.49% | 72.92% |
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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.
Regulator records: NCUA credit union profile (charter 67489) · FFIEC NIC profile (RSSD 899790)
Frequently asked questions
Is Aspire Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Aspire Credit Union's net worth ratio is 20.52%, above the 7% NCUA threshold for well capitalized.
Is Aspire Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Aspire Credit Union is a federally insured credit union (NCUA charter 67489): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Aspire Credit Union's key safety ratios?
For Q2 2026, Aspire Credit Union reports net worth 20.52%, delinquency 0.05%, ROA 1.32%, loan-to-share 74.94%.
What happens to my money if Aspire Credit Union fails?
For Q2 2026, Aspire Credit Union held $30.0M in shares and deposits for 2,633 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.