Credit Union Safety Analysis
Is Datcu Credit Union Safe? Denton, Texas
Based on its Q2 2026 NCUA 5300 call report, Datcu Credit Union has a net worth ratio of 17.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.13%, 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, Datcu Credit Union's net worth ratio is 17.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.19%
- Delinquency ratio (60+ days) (Q2 2026): 0.13%
- Return on assets (Q2 2026): 1.68%
- Loan-to-share ratio (Q2 2026): 105.48%
Datcu Credit Union (NCUA charter 67535) reported $1.79B in assets and 113,275 members for Q2 2026 from Denton, Texas. It ranks 19 of 377 credit unions in Texas by total assets. Total assets grew 3.5% from $1.72B on June 30, 2025. It has 3,135 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.89 percentage points from 16.30% on June 30, 2025. Used vehicle loans are its largest loan category, $499.8M of $1.55B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below 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: 17.04% for Q1 2026; 16.30% 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: 0.16% for Q1 2026; 0.07% 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: 1.47% for Q1 2026; 1.63% 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: 104.17% for Q1 2026; 100.37% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $499.8M
- New vehicle loans: $385.4M
- 1- to 4-family residential and other consumer real estate loans: $357.7M
- Other secured non-real estate loans and lines of credit: $141.7M
- Unsecured credit card loans: $40.5M
- Other unsecured loans and lines of credit: $12.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.79B | 17.19% | 0.13% | 1.68% | 105.48% |
| March 31, 2026 | $1.77B | 17.04% | 0.16% | 1.47% | 104.17% |
| December 31, 2025 | $1.75B | 16.88% | 0.17% | 1.54% | 103.35% |
| September 30, 2025 | $1.74B | 16.59% | 0.10% | 1.68% | 100.96% |
| June 30, 2025 | $1.72B | 16.30% | 0.07% | 1.63% | 100.37% |
| March 31, 2025 | $1.67B | 16.53% | 0.11% | 1.29% | 102.44% |
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Free to use. It shows Datcu Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 67535) · FFIEC NIC profile (RSSD 972394)
Frequently asked questions
Is Datcu Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Datcu Credit Union's net worth ratio is 17.19%, above the 7% NCUA threshold for well capitalized.
Is Datcu Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Datcu Credit Union is a federally insured credit union (NCUA charter 67535): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Datcu Credit Union's key safety ratios?
For Q2 2026, Datcu Credit Union reports net worth 17.19%, delinquency 0.13%, ROA 1.68%, loan-to-share 105.48%.
What happens to my money if Datcu Credit Union fails?
For Q2 2026, Datcu Credit Union held $1.47B in shares and deposits for 113,275 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.