Credit Union Safety Analysis
Is B C M Federal Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, B C M Federal Credit Union has a net worth ratio of 12.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.51%, 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, B C M Federal Credit Union's net worth ratio is 12.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.57%
- Delinquency ratio (60+ days) (Q2 2026): 0.51%
- Return on assets (Q2 2026): 1.26%
- Loan-to-share ratio (Q2 2026): 59.25%
B C M Federal Credit Union (NCUA charter 12892, established 1959) reported $42.7M in assets and 4,531 members for Q2 2026 from Houston, Texas. It ranks 198 of 377 credit unions in Texas by total assets. Total assets grew 0.4% from $42.5M on June 30, 2025. It has 189 fewer members than on June 30, 2025 (-4.0%). Its net worth ratio was up 0.59 percentage points from 11.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.8M of $22.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% 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: 12.37% for Q1 2026; 11.98% 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: 0.67% for Q1 2026; 1.22% 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: 1.05% for Q1 2026; 1.40% 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: 60.65% for Q1 2026; 56.97% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.8M
- Used vehicle loans: $4.1M
- New vehicle loans: $4.0M
- Other unsecured loans and lines of credit: $3.3M
- Unsecured credit card loans: $1.4M
- Other secured non-real estate loans and lines of credit: $444K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $42.7M | 12.57% | 0.51% | 1.26% | 59.25% |
| March 31, 2026 | $42.3M | 12.37% | 0.67% | 1.05% | 60.65% |
| December 31, 2025 | $41.9M | 12.20% | 1.00% | 0.50% | 59.40% |
| September 30, 2025 | $42.0M | 12.39% | 1.49% | 1.11% | 59.00% |
| June 30, 2025 | $42.5M | 11.98% | 1.22% | 1.40% | 56.97% |
| March 31, 2025 | $42.4M | 11.67% | 1.31% | 1.38% | 58.08% |
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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.
B C M Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12892) · FFIEC NIC profile (RSSD 12889)
Frequently asked questions
Is B C M Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, B C M Federal Credit Union's net worth ratio is 12.57%, above the 7% NCUA threshold for well capitalized.
Is B C M Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. B C M Federal Credit Union is a federally insured credit union (NCUA charter 12892): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are B C M Federal Credit Union's key safety ratios?
For Q2 2026, B C M Federal Credit Union reports net worth 12.57%, delinquency 0.51%, ROA 1.26%, loan-to-share 59.25%.
What happens to my money if B C M Federal Credit Union fails?
For Q2 2026, B C M Federal Credit Union held $37.2M in shares and deposits for 4,531 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.