Credit Union Safety Analysis
Is City Public Service/Ibew Federal Credit Union Safe? San Antonio, Texas
Based on its Q2 2026 NCUA 5300 call report, City Public Service/Ibew Federal Credit Union has a net worth ratio of 14.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.18%, 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 Public Service/Ibew Federal Credit Union's net worth ratio is 14.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.86%
- Delinquency ratio (60+ days) (Q2 2026): 1.18%
- Return on assets (Q2 2026): 1.06%
- Loan-to-share ratio (Q2 2026): 42.29%
City Public Service/Ibew Federal Credit Union (NCUA charter 3710, established 1940) reported $56.3M in assets and 3,844 members for Q2 2026 from San Antonio, Texas. It ranks 179 of 377 credit unions in Texas by total assets. Total assets grew 5.8% from $53.3M on June 30, 2025. It has 43 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 0.15 percentage points from 14.71% on June 30, 2025. Used vehicle loans are its largest loan category, $8.3M of $20.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above 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: 14.74% for Q1 2026; 14.71% 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: 1.49% for Q1 2026; 1.35% 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: 0.87% for Q1 2026; 1.12% 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: 42.81% for Q1 2026; 45.61% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.3M
- Other unsecured loans and lines of credit: $5.9M
- New vehicle loans: $3.3M
- Unsecured credit card loans: $1.4M
- Other secured non-real estate loans and lines of credit: $1.3M
- 1- to 4-family residential and other consumer real estate loans: $186K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $56.3M | 14.86% | 1.18% | 1.06% | 42.29% |
| March 31, 2026 | $55.8M | 14.74% | 1.49% | 0.87% | 42.81% |
| December 31, 2025 | $55.4M | 14.62% | 1.06% | 1.06% | 44.20% |
| September 30, 2025 | $54.1M | 14.71% | 1.35% | 0.92% | 44.55% |
| June 30, 2025 | $53.3M | 14.71% | 1.35% | 1.12% | 45.61% |
| March 31, 2025 | $52.4M | 14.78% | 1.15% | -0.16% | 47.02% |
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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.
City Public Service/Ibew Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3710) · FFIEC NIC profile (RSSD 399076)
Frequently asked questions
Is City Public Service/Ibew Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, City Public Service/Ibew Federal Credit Union's net worth ratio is 14.86%, above the 7% NCUA threshold for well capitalized.
Is City Public Service/Ibew Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. City Public Service/Ibew Federal Credit Union is a federally insured credit union (NCUA charter 3710): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are City Public Service/Ibew Federal Credit Union's key safety ratios?
For Q2 2026, City Public Service/Ibew Federal Credit Union reports net worth 14.86%, delinquency 1.18%, ROA 1.06%, loan-to-share 42.29%.
What happens to my money if City Public Service/Ibew Federal Credit Union fails?
For Q2 2026, City Public Service/Ibew Federal Credit Union held $48.7M in shares and deposits for 3,844 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.