Credit Union Safety Analysis
Is East Texas Professional Credit Union Safe? Longview, Texas
Based on its Q2 2026 NCUA 5300 call report, East Texas Professional Credit Union has a net worth ratio of 19.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.41%, 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, East Texas Professional Credit Union's net worth ratio is 19.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.41%
- Return on assets (Q2 2026): 1.92%
- Loan-to-share ratio (Q2 2026): 84.93%
East Texas Professional Credit Union (NCUA charter 67761, established 1979) reported $1.45B in assets and 104,455 members for Q2 2026 from Longview, Texas. It ranks 25 of 377 credit unions in Texas by total assets. Total assets grew 7.3% from $1.35B on June 30, 2025. It has 2,187 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.54 percentage points from 18.84% on June 30, 2025. Used vehicle loans are its largest loan category, $336.1M of $977.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.41% 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: 18.93% for Q1 2026; 18.84% 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: 0.23% for Q1 2026; 0.41% 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: 1.64% for Q1 2026; 1.64% 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: 82.70% for Q1 2026; 86.16% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $336.1M
- New vehicle loans: $303.5M
- 1- to 4-family residential and other consumer real estate loans: $256.6M
- Other secured non-real estate loans and lines of credit: $32.6M
- Other unsecured loans and lines of credit: $25.8M
- Commercial loans: $15.6M
- Unsecured credit card loans: $7.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.45B | 19.38% | 0.41% | 1.92% | 84.93% |
| March 31, 2026 | $1.44B | 18.93% | 0.23% | 1.64% | 82.70% |
| December 31, 2025 | $1.40B | 19.08% | 0.48% | 2.12% | 85.24% |
| September 30, 2025 | $1.38B | 18.90% | 0.49% | 1.95% | 85.78% |
| June 30, 2025 | $1.35B | 18.84% | 0.41% | 1.64% | 86.16% |
| March 31, 2025 | $1.32B | 18.88% | 0.15% | 1.72% | 87.01% |
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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.
East Texas Professional Credit Union profile
Regulator records: NCUA credit union profile (charter 67761) · FFIEC NIC profile (RSSD 693895)
Frequently asked questions
Is East Texas Professional Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, East Texas Professional Credit Union's net worth ratio is 19.38%, above the 7% NCUA threshold for well capitalized.
Is East Texas Professional Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. East Texas Professional Credit Union is a federally insured credit union (NCUA charter 67761): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are East Texas Professional Credit Union's key safety ratios?
For Q2 2026, East Texas Professional Credit Union reports net worth 19.38%, delinquency 0.41%, ROA 1.92%, loan-to-share 84.93%.
What happens to my money if East Texas Professional Credit Union fails?
For Q2 2026, East Texas Professional Credit Union held $1.15B in shares and deposits for 104,455 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.