Credit Union Safety Analysis
Is E M O T Federal Credit Union Safe? Abilene, Texas
Based on its Q2 2026 NCUA 5300 call report, E M O T Federal Credit Union has a net worth ratio of 39.67%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.72%, 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, E M O T Federal Credit Union's net worth ratio is 39.67%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 39.67%
- Delinquency ratio (60+ days) (Q2 2026): 1.72%
- Return on assets (Q2 2026): 1.05%
- Loan-to-share ratio (Q2 2026): 50.93%
E M O T Federal Credit Union (NCUA charter 9457, established 1954) reported $9.2M in assets and 471 members for Q2 2026 from Abilene, Texas. It ranks 309 of 377 credit unions in Texas by total assets. Total assets grew 0.5% from $9.2M on June 30, 2025. It has 6 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.89 percentage points from 38.78% on June 30, 2025. Used vehicle loans are its largest loan category, $1.8M of $2.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.72% 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: 39.34% for Q1 2026; 38.78% 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: 1.90% for Q1 2026; 1.34% 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: 1.04% for Q1 2026; 1.18% 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: 51.21% for Q1 2026; 47.55% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.8M
- New vehicle loans: $514K
- Other secured non-real estate loans and lines of credit: $429K
- Other unsecured loans and lines of credit: $57K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.2M | 39.67% | 1.72% | 1.05% | 50.93% |
| March 31, 2026 | $9.3M | 39.34% | 1.90% | 1.04% | 51.21% |
| December 31, 2025 | $9.2M | 39.37% | 1.67% | 1.06% | 50.09% |
| September 30, 2025 | $9.1M | 39.51% | 1.90% | 1.14% | 52.43% |
| June 30, 2025 | $9.2M | 38.78% | 1.34% | 1.18% | 47.55% |
| March 31, 2025 | $9.2M | 38.63% | 1.07% | 1.39% | 46.60% |
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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.
E M O T Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9457) · FFIEC NIC profile (RSSD 72687)
Frequently asked questions
Is E M O T Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, E M O T Federal Credit Union's net worth ratio is 39.67%, above the 7% NCUA threshold for well capitalized.
Is E M O T Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. E M O T Federal Credit Union is a federally insured credit union (NCUA charter 9457): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are E M O T Federal Credit Union's key safety ratios?
For Q2 2026, E M O T Federal Credit Union reports net worth 39.67%, delinquency 1.72%, ROA 1.05%, loan-to-share 50.93%.
What happens to my money if E M O T Federal Credit Union fails?
For Q2 2026, E M O T Federal Credit Union held $5.5M in shares and deposits for 471 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.