Credit Union Safety Analysis
Is Austin Telco Federal Credit Union Safe? Austin, Texas
Based on its Q2 2026 NCUA 5300 call report, Austin Telco Federal Credit Union has a net worth ratio of 14.04%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.35%, 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, Austin Telco Federal Credit Union's net worth ratio is 14.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.04%
- Delinquency ratio (60+ days) (Q2 2026): 0.35%
- Return on assets (Q2 2026): 0.62%
- Loan-to-share ratio (Q2 2026): 87.95%
Austin Telco Federal Credit Union (NCUA charter 4584, established 1941) reported $2.54B in assets and 94,219 members for Q2 2026 from Austin, Texas. It ranks 15 of 377 credit unions in Texas by total assets. Total assets fell 0.3% from $2.54B on June 30, 2025. It has 1,202 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.56 percentage points from 13.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.04B of $1.86B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below 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: 13.83% for Q1 2026; 13.48% 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: 0.37% for Q1 2026; 0.41% 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: 0.57% for Q1 2026; 0.54% 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: 81.99% for Q1 2026; 81.08% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.04B
- Used vehicle loans: $469.8M
- New vehicle loans: $189.5M
- Commercial loans: $129.3M
- Other secured non-real estate loans and lines of credit: $18.5M
- Unsecured credit card loans: $7.2M
- Other unsecured loans and lines of credit: $4.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.54B | 14.04% | 0.35% | 0.62% | 87.95% |
| March 31, 2026 | $2.55B | 13.83% | 0.37% | 0.57% | 81.99% |
| December 31, 2025 | $2.55B | 13.65% | 0.50% | 0.63% | 81.77% |
| September 30, 2025 | $2.54B | 13.56% | 0.42% | 0.39% | 81.95% |
| June 30, 2025 | $2.54B | 13.48% | 0.41% | 0.54% | 81.08% |
| March 31, 2025 | $2.52B | 13.46% | 0.42% | 0.47% | 80.83% |
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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.
Austin Telco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4584) · FFIEC NIC profile (RSSD 774)
Frequently asked questions
Is Austin Telco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Austin Telco Federal Credit Union's net worth ratio is 14.04%, above the 7% NCUA threshold for well capitalized.
Is Austin Telco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Austin Telco Federal Credit Union is a federally insured credit union (NCUA charter 4584): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Austin Telco Federal Credit Union's key safety ratios?
For Q2 2026, Austin Telco Federal Credit Union reports net worth 14.04%, delinquency 0.35%, ROA 0.62%, loan-to-share 87.95%.
What happens to my money if Austin Telco Federal Credit Union fails?
For Q2 2026, Austin Telco Federal Credit Union held $2.12B in shares and deposits for 94,219 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.