Credit Union Safety Analysis
Is City Credit Union Safe? Dallas, Texas
Based on its Q2 2026 NCUA 5300 call report, City Credit Union has a net worth ratio of 12.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.23%, 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, City Credit Union's net worth ratio is 12.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.27%
- Delinquency ratio (60+ days) (Q2 2026): 1.23%
- Return on assets (Q2 2026): 1.51%
- Loan-to-share ratio (Q2 2026): 56.23%
City Credit Union (NCUA charter 67669) reported $629.8M in assets and 33,260 members for Q2 2026 from Dallas, Texas. It ranks 53 of 377 credit unions in Texas by total assets. Total assets fell 2.9% from $648.3M on June 30, 2025. It has 1,188 fewer members than on June 30, 2025 (-3.4%). Its net worth ratio was up 0.76 percentage points from 11.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $124.9M of $306.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.23% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.88% for Q1 2026; 11.51% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.17% for Q1 2026; 1.72% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.67% for Q1 2026; 0.38% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 57.78% for Q1 2026; 61.44% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $124.9M
- Used vehicle loans: $122.5M
- Other unsecured loans and lines of credit: $22.0M
- New vehicle loans: $20.2M
- Other secured non-real estate loans and lines of credit: $8.8M
- Unsecured credit card loans: $8.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $629.8M | 12.27% | 1.23% | 1.51% | 56.23% |
| March 31, 2026 | $630.5M | 11.88% | 1.17% | 0.67% | 57.78% |
| December 31, 2025 | $623.2M | 11.85% | 1.58% | -0.71% | 60.73% |
| September 30, 2025 | $640.3M | 11.74% | 1.57% | 0.35% | 60.51% |
| June 30, 2025 | $648.3M | 11.51% | 1.72% | 0.38% | 61.44% |
| March 31, 2025 | $643.9M | 11.49% | 1.60% | 0.34% | 63.49% |
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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.
Regulator records: NCUA credit union profile (charter 67669) · FFIEC NIC profile (RSSD 715292)
Frequently asked questions
Is City Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, City Credit Union's net worth ratio is 12.27%, above the 7% NCUA threshold for well capitalized.
Is City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. City Credit Union is a federally insured credit union (NCUA charter 67669): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are City Credit Union's key safety ratios?
For Q2 2026, City Credit Union reports net worth 12.27%, delinquency 1.23%, ROA 1.51%, loan-to-share 56.23%.
What happens to my money if City Credit Union fails?
For Q2 2026, City Credit Union held $545.2M in shares and deposits for 33,260 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.