Credit Union Safety Analysis
Is EECU Credit Union Safe? Fort Worth, Texas
Based on its Q2 2026 NCUA 5300 call report, EECU Credit Union has a net worth ratio of 12.70%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, 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, EECU Credit Union's net worth ratio is 12.70%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.70%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 1.68%
- Loan-to-share ratio (Q2 2026): 93.09%
EECU Credit Union (NCUA charter 67928, established 1934) reported $4.88B in assets and 307,364 members for Q2 2026 from Fort Worth, Texas. It ranks 5 of 377 credit unions in Texas by total assets. Total assets grew 11.6% from $4.37B on June 30, 2025. It has 16,279 more members than on June 30, 2025 (+5.6%). Its net worth ratio was up 0.16 percentage points from 12.54% on June 30, 2025. Used vehicle loans are its largest loan category, $1.53B of $3.92B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% 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: 12.57% for Q1 2026; 12.54% 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: 0.42% for Q1 2026; 0.39% 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: 1.56% for Q1 2026; 1.38% 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: 90.92% for Q1 2026; 90.84% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.53B
- New vehicle loans: $1.03B
- 1- to 4-family residential and other consumer real estate loans: $737.4M
- Commercial loans: $439.4M
- Other unsecured loans and lines of credit: $74.1M
- Unsecured credit card loans: $35.5M
- Other secured non-real estate loans and lines of credit: $24.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.88B | 12.70% | 0.45% | 1.68% | 93.09% |
| March 31, 2026 | $4.76B | 12.57% | 0.42% | 1.56% | 90.92% |
| December 31, 2025 | $4.59B | 12.64% | 0.45% | 1.37% | 92.91% |
| September 30, 2025 | $4.50B | 12.57% | 0.44% | 1.62% | 90.96% |
| June 30, 2025 | $4.37B | 12.54% | 0.39% | 1.38% | 90.84% |
| March 31, 2025 | $4.27B | 12.47% | 0.41% | 1.32% | 89.59% |
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Free to use. It shows EECU’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 67928) · FFIEC NIC profile (RSSD 820598)
Frequently asked questions
Is EECU Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, EECU Credit Union's net worth ratio is 12.70%, above the 7% NCUA threshold for well capitalized.
Is EECU Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. EECU Credit Union is a federally insured credit union (NCUA charter 67928): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are EECU Credit Union's key safety ratios?
For Q2 2026, EECU Credit Union reports net worth 12.70%, delinquency 0.45%, ROA 1.68%, loan-to-share 93.09%.
What happens to my money if EECU Credit Union fails?
For Q2 2026, EECU Credit Union held $4.21B in shares and deposits for 307,364 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.