Credit Union Safety Analysis
Is B P S Federal Credit Union Safe? Beeville, Texas
Based on its Q2 2026 NCUA 5300 call report, B P S Federal Credit Union has a net worth ratio of 61.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.72%, 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 P S Federal Credit Union's net worth ratio is 61.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 61.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.72%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 96.78%
B P S Federal Credit Union (NCUA charter 13062, established 1959) reported $2.9M in assets and 331 members for Q2 2026 from Beeville, Texas. It ranks 356 of 377 credit unions in Texas by total assets. Total assets fell 2.7% from $3.0M on June 30, 2025. It has 3 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 2.27 percentage points from 59.46% on June 30, 2025. New vehicle loans are its largest loan category, $558K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% 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: 61.72% for Q1 2026; 59.46% 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: 0.39% for Q1 2026; 0.05% 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: 0.82% for Q1 2026; 0.83% 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: 97.49% for Q1 2026; 100.00% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $558K
- Used vehicle loans: $294K
- Other unsecured loans and lines of credit: $146K
- Other secured non-real estate loans and lines of credit: $63K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.9M | 61.73% | 0.72% | 0.79% | 96.78% |
| March 31, 2026 | $2.9M | 61.72% | 0.39% | 0.82% | 97.49% |
| December 31, 2025 | $2.9M | 61.30% | 0.53% | 0.54% | 103.39% |
| September 30, 2025 | $3.0M | 59.34% | 0.10% | 1.10% | 98.14% |
| June 30, 2025 | $3.0M | 59.46% | 0.05% | 0.83% | 100.00% |
| March 31, 2025 | $3.0M | 59.31% | 0.08% | 1.40% | 95.25% |
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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 P S Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13062) · FFIEC NIC profile (RSSD 871581)
Frequently asked questions
Is B P S Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, B P S Federal Credit Union's net worth ratio is 61.73%, above the 7% NCUA threshold for well capitalized.
Is B P S Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. B P S Federal Credit Union is a federally insured credit union (NCUA charter 13062): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are B P S Federal Credit Union's key safety ratios?
For Q2 2026, B P S Federal Credit Union reports net worth 61.73%, delinquency 0.72%, ROA 0.79%, loan-to-share 96.78%.
What happens to my money if B P S Federal Credit Union fails?
For Q2 2026, B P S Federal Credit Union held $1.1M in shares and deposits for 331 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.