Credit Union Safety Analysis
Is Credit Human Federal Credit Union Safe? San Antonio, Texas
Based on its Q2 2026 NCUA 5300 call report, Credit Human Federal Credit Union has a net worth ratio of 7.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.09%, 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, Credit Human Federal Credit Union's net worth ratio is 7.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.35%
- Delinquency ratio (60+ days) (Q2 2026): 1.09%
- Return on assets (Q2 2026): 0.08%
- Loan-to-share ratio (Q2 2026): 108.04%
Credit Human Federal Credit Union (NCUA charter 24382, established 1935) reported $4.34B in assets and 259,260 members for Q2 2026 from San Antonio, Texas. It ranks 8 of 377 credit unions in Texas by total assets. Total assets fell 0.9% from $4.38B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 7.27% for Q1 2026; 7.47% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.06% for Q1 2026; 1.36% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.14% for Q1 2026; -0.35% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 109.47% for Q1 2026; 108.07% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $2.32B
- Used vehicle loans: $649.3M
- New vehicle loans: $401.4M
- 1- to 4-family residential and other consumer real estate loans: $312.6M
- Other unsecured loans and lines of credit: $75.8M
- Commercial loans: $67.6M
- Unsecured credit card loans: $44.9M
- Non-federally guaranteed student loans: $3.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.34B | 7.35% | 1.09% | 0.08% | 108.04% |
| March 31, 2026 | $4.38B | 7.27% | 1.06% | 0.14% | 109.47% |
| December 31, 2025 | $4.52B | 7.12% | 1.13% | -0.19% | 108.54% |
| September 30, 2025 | $4.43B | 7.38% | 1.15% | -0.04% | 109.19% |
| June 30, 2025 | $4.38B | 7.47% | 1.36% | -0.35% | 108.07% |
| March 31, 2025 | $4.46B | 7.43% | 1.39% | -0.28% | 106.06% |
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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.
Credit Human Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24382) · FFIEC NIC profile (RSSD 460592)
Frequently asked questions
Is Credit Human Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Human Federal Credit Union's net worth ratio is 7.35%, above the 7% NCUA threshold for well capitalized.
Is Credit Human Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Human Federal Credit Union is a federally insured credit union (NCUA charter 24382): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Human Federal Credit Union's key safety ratios?
For Q2 2026, Credit Human Federal Credit Union reports net worth 7.35%, delinquency 1.09%, ROA 0.08%, loan-to-share 108.04%.
What happens to my money if Credit Human Federal Credit Union fails?
For Q2 2026, Credit Human Federal Credit Union held $3.59B in shares and deposits for 259,260 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.