Credit Union Safety Analysis
Is Brazos Valley Schools Credit Union Safe? Katy, Texas
Based on its Q2 2026 NCUA 5300 call report, Brazos Valley Schools Credit Union has a net worth ratio of 10.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.32%, 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, Brazos Valley Schools Credit Union's net worth ratio is 10.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.63%
- Delinquency ratio (60+ days) (Q2 2026): 1.32%
- Return on assets (Q2 2026): 1.21%
- Loan-to-share ratio (Q2 2026): 46.60%
Brazos Valley Schools Credit Union (NCUA charter 66353, established 1954) reported $1.05B in assets and 64,531 members for Q2 2026 from Katy, Texas. It ranks 37 of 377 credit unions in Texas by total assets. Total assets grew 5.7% from $990.6M on June 30, 2025. It has 493 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.43 percentage points from 10.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $198.0M of $432.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.32% is above 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: 10.42% for Q1 2026; 10.20% 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: 0.77% for Q1 2026; 0.94% 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: 1.00% for Q1 2026; 0.92% 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: 46.26% for Q1 2026; 49.49% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $198.0M
- Used vehicle loans: $93.1M
- New vehicle loans: $63.7M
- Other unsecured loans and lines of credit: $58.4M
- Unsecured credit card loans: $13.8M
- Other secured non-real estate loans and lines of credit: $5.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.05B | 10.63% | 1.32% | 1.21% | 46.60% |
| March 31, 2026 | $1.04B | 10.42% | 0.77% | 1.00% | 46.26% |
| December 31, 2025 | $1.02B | 10.36% | 1.10% | 1.09% | 48.22% |
| September 30, 2025 | $994.1M | 10.41% | 1.08% | 0.98% | 49.70% |
| June 30, 2025 | $990.6M | 10.20% | 0.94% | 0.92% | 49.49% |
| March 31, 2025 | $996.6M | 9.91% | 0.47% | 1.43% | 48.54% |
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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.
Brazos Valley Schools Credit Union profile
Regulator records: NCUA credit union profile (charter 66353) · FFIEC NIC profile (RSSD 497392)
Frequently asked questions
Is Brazos Valley Schools Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Brazos Valley Schools Credit Union's net worth ratio is 10.63%, above the 7% NCUA threshold for well capitalized.
Is Brazos Valley Schools Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Brazos Valley Schools Credit Union is a federally insured credit union (NCUA charter 66353): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Brazos Valley Schools Credit Union's key safety ratios?
For Q2 2026, Brazos Valley Schools Credit Union reports net worth 10.63%, delinquency 1.32%, ROA 1.21%, loan-to-share 46.60%.
What happens to my money if Brazos Valley Schools Credit Union fails?
For Q2 2026, Brazos Valley Schools Credit Union held $928.9M in shares and deposits for 64,531 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.