Brownsville City Employees Federal Credit Union Brownsville, Texas
Brownsville City Employees Federal Credit Union is a federal credit union headquartered in Brownsville, TX, established in 1970 (NCUA charter 20392), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,406 members and total assets of $6.9M (down 4.8% from Q2 2025), the 322nd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 31.93% at Q2 2026, in the well capitalized band.
Also written as Brownsville City Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20392
- Headquarters
- Brownsville, TX
- Established
- 1970
- Total assets, Q2 2026
- $6.9M
- Assets vs Q2 2025
- -4.8%
- Members, Q2 2026
- 1,406
- Net worth ratio, Q2 2026
- 31.93%
- Latest call report
- Q2 2026, NCUA 5300 · Brownsville City Employees Federal Credit Union call report
- Asset rank in state
- 322nd of 377 in Texas
- Routing number
- 314978080
- Branches
- 1
It has 35 more members than on June 30, 2025 (+2.6%). Its net worth ratio was up 2.14 percentage points from 29.79% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $936K of $2.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.40% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 31.93% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Brownsville City Employees Federal Credit Union
How big is Brownsville City Employees Federal Credit Union?
At Q2 2026 it reported total assets of $6.9M and 1,406 members.
Where is Brownsville City Employees Federal Credit Union headquartered?
It is headquartered in Brownsville, TX, United States.
When was Brownsville City Employees Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Brownsville City Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20392): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Brownsville City Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Brownsville City Employees Federal Credit Union well capitalized?
Its net worth ratio was 31.93% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Brownsville City Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.40% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Brownsville City Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.71% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Brownsville, TX 78520
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20392
- RSSD ID
- 891486
- Members
- 1,406
- Potential members
- 3,572
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 31.93% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.37% | 0.72% | 35th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.17% | 4.74% | 26th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.51% | 3.93% | 74th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.52% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.40% | 0.78% | 73rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.40% | 0.86% | 73rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.91% | 4.70% | 58th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 46.71% | 58.92% | 32nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.9M total assets against $7.2M; $4.6M total shares and deposits against $5.0M; $2.1M total loans against $2.7M.
$2.2M net worth against $2.1M.
31.93% net worth ratio against 29.79%.
46.71% loan-to-share ratio against 54.29%.
0.40% delinquency ratio against 1.84%.
0.37% return on assets against 0.42%; 1.17% return on equity against 1.40%.
4.51% net interest margin against 4.42%.
1,406 members against 1,371.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 31.93% | 0.37% | 0.40% | 46.71% |
| March 31, 2026 | 32.04% | 0.27% | 0.77% | 51.88% |
| December 31, 2025 | 33.11% | 1.08% | 0.44% | 57.09% |
| September 30, 2025 | 30.93% | 0.80% | 0.85% | 54.42% |
| June 30, 2025 | 29.79% | 0.42% | 1.84% | 54.29% |
| March 31, 2025 | 29.57% | 1.91% | 0.89% | 55.78% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.