Credit Union Safety Analysis
Is Coastal Bend P O Federal Credit Union Safe? Victoria, Texas
Based on its Q2 2026 NCUA 5300 call report, Coastal Bend P O Federal Credit Union has a net worth ratio of 27.13%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.73%, 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, Coastal Bend P O Federal Credit Union's net worth ratio is 27.13%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 27.13%
- Delinquency ratio (60+ days) (Q2 2026): 3.73%
- Return on assets (Q2 2026): 0.02%
- Loan-to-share ratio (Q2 2026): 43.81%
Coastal Bend P O Federal Credit Union (NCUA charter 11164, established 1956) reported $12.5M in assets and 919 members for Q2 2026 from Victoria, Texas. It ranks 284 of 377 credit unions in Texas by total assets. Total assets fell 5.9% from $13.3M on June 30, 2025. It has 10 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 2.56 percentage points from 24.57% on June 30, 2025. New vehicle loans are its largest loan category, $1.8M of $4.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.73% 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: 25.23% for Q1 2026; 24.57% 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: 0.98% for Q1 2026; 0.30% 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: 0.26% for Q1 2026; 0.24% 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: 43.92% for Q1 2026; 45.88% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.8M
- Used vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $832K
- Other secured non-real estate loans and lines of credit: $253K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $12.5M | 27.13% | 3.73% | 0.02% | 43.81% |
| March 31, 2026 | $13.0M | 25.23% | 0.98% | 0.26% | 43.92% |
| December 31, 2025 | $13.1M | 24.86% | 1.00% | 0.11% | 45.14% |
| September 30, 2025 | $13.2M | 24.58% | 0.64% | -0.22% | 44.52% |
| June 30, 2025 | $13.3M | 24.57% | 0.30% | 0.24% | 45.88% |
| March 31, 2025 | $13.5M | 24.19% | 1.16% | 11.01% | 45.84% |
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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.
Coastal Bend P O Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11164) · FFIEC NIC profile (RSSD 676786)
Frequently asked questions
Is Coastal Bend P O Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Coastal Bend P O Federal Credit Union's net worth ratio is 27.13%, above the 7% NCUA threshold for well capitalized.
Is Coastal Bend P O Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Coastal Bend P O Federal Credit Union is a federally insured credit union (NCUA charter 11164): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Coastal Bend P O Federal Credit Union's key safety ratios?
For Q2 2026, Coastal Bend P O Federal Credit Union reports net worth 27.13%, delinquency 3.73%, ROA 0.02%, loan-to-share 43.81%.
What happens to my money if Coastal Bend P O Federal Credit Union fails?
For Q2 2026, Coastal Bend P O Federal Credit Union held $9.1M in shares and deposits for 919 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.