Credit Union Safety Analysis
Is Corpus Christi S P Credit Union Safe? Corpus Christi, Texas
Based on its Q2 2026 NCUA 5300 call report, Corpus Christi S P Credit Union has a net worth ratio of 13.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.13%, 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, Corpus Christi S P Credit Union's net worth ratio is 13.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.76%
- Delinquency ratio (60+ days) (Q2 2026): 4.13%
- Return on assets (Q2 2026): 0.72%
- Loan-to-share ratio (Q2 2026): 92.17%
Corpus Christi S P Credit Union (NCUA charter 67485) reported $5.0M in assets and 630 members for Q2 2026 from Corpus Christi, Texas. It ranks 338 of 377 credit unions in Texas by total assets. Total assets grew 3.2% from $4.9M on June 30, 2025. It has 12 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.16 percentage points from 13.60% 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 4.13% 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: 13.60% for Q1 2026; 13.60% 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: 6.57% for Q1 2026; 3.13% 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: 0.47% for Q1 2026; -0.31% 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: 96.45% for Q1 2026; 95.92% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.8M
- Used vehicle loans: $987K
- Other secured non-real estate loans and lines of credit: $616K
- Other unsecured loans and lines of credit: $540K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.0M | 13.76% | 4.13% | 0.72% | 92.17% |
| March 31, 2026 | $5.0M | 13.60% | 6.57% | 0.47% | 96.45% |
| December 31, 2025 | $4.9M | 13.74% | 1.99% | 0.51% | 96.65% |
| September 30, 2025 | $4.9M | 13.66% | 0.89% | 0.65% | 95.04% |
| June 30, 2025 | $4.9M | 13.60% | 3.13% | -0.31% | 95.92% |
| March 31, 2025 | $4.9M | 13.69% | 1.49% | -0.57% | 88.14% |
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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.
Corpus Christi S P Credit Union profile
Regulator records: NCUA credit union profile (charter 67485) · FFIEC NIC profile (RSSD 612896)
Frequently asked questions
Is Corpus Christi S P Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Corpus Christi S P Credit Union's net worth ratio is 13.76%, above the 7% NCUA threshold for well capitalized.
Is Corpus Christi S P Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Corpus Christi S P Credit Union is a federally insured credit union (NCUA charter 67485): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Corpus Christi S P Credit Union's key safety ratios?
For Q2 2026, Corpus Christi S P Credit Union reports net worth 13.76%, delinquency 4.13%, ROA 0.72%, loan-to-share 92.17%.
What happens to my money if Corpus Christi S P Credit Union fails?
For Q2 2026, Corpus Christi S P Credit Union held $4.3M in shares and deposits for 630 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.