Credit Human Federal Credit Union San Antonio, Texas
Credit Human Federal Credit Union is a federal credit union headquartered in San Antonio, TX, established in 1935 (NCUA charter 24382), and it is regulated and insured by the NCUA. At Q2 2026 it reported 259,260 members and total assets of $4.34B (down 0.9% from Q2 2025), the 8th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 7.35% at Q2 2026, in the well capitalized band.
Also written as Credit Human 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
- 24382
- Headquarters
- San Antonio, TX
- Established
- 1935
- Total assets, Q2 2026
- $4.34B
- Assets vs Q2 2025
- -0.9%
- Members, Q2 2026
- 259,260
- Net worth ratio, Q2 2026
- 7.35%
- Latest call report
- Q2 2026, NCUA 5300 · Credit Human Federal Credit Union call report
- Asset rank in state
- 8th of 377 in Texas
- Routing number
- 314088284
- Branches
- 30
It has 3,335 more members than on June 30, 2025 (+1.3%). Its net worth ratio was down 0.12 percentage points from 7.47% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $2.32B of $3.88B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.09% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 7.35% net worth ratio is below that band's 10.89% median.
Frequently asked about Credit Human Federal Credit Union
How big is Credit Human Federal Credit Union?
At Q2 2026 it reported total assets of $4.34B and 259,260 members.
Where is Credit Human Federal Credit Union headquartered?
It is headquartered in San Antonio, TX, United States.
When was Credit Human Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Credit Human Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24382): 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 Credit Human Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Credit Human Federal Credit Union well capitalized?
Its net worth ratio was 7.35% 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 Credit Human Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.09% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Credit Human Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 108.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Antonio, TX 78215
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 24382
- RSSD ID
- 460592
- Members
- 259,260
- Potential members
- 1,915,900
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 6.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 7.35% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.08% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 1.05% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.06% | 3.45% | 85th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 85.03% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.45% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.09% | 0.68% | 23rd bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.51% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 108.04% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.34B total assets against $4.38B; $3.59B total shares and deposits against $3.64B; $3.88B total loans against $3.93B.
$319.3M net worth against $328.1M.
7.35% net worth ratio against 7.47%.
108.04% loan-to-share ratio against 108.07%.
1.09% delinquency ratio against 1.36%.
0.08% return on assets against -0.35%; 1.05% return on equity against -4.71%.
4.06% net interest margin against 3.59%.
259,260 members against 255,925.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.35% | 0.08% | 1.09% | 108.04% |
| March 31, 2026 | 7.27% | 0.14% | 1.06% | 109.47% |
| December 31, 2025 | 7.12% | -0.19% | 1.13% | 108.54% |
| September 30, 2025 | 7.38% | -0.04% | 1.15% | 109.19% |
| June 30, 2025 | 7.47% | -0.35% | 1.36% | 108.07% |
| March 31, 2025 | 7.43% | -0.28% | 1.39% | 106.06% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.