Credit Union Safety Analysis
Is Employees United Federal Credit Union Safe? Paris, Texas
Based on its Q2 2026 NCUA 5300 call report, Employees United Federal Credit Union has a net worth ratio of 32.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.08%, 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, Employees United Federal Credit Union's net worth ratio is 32.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 32.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.08%
- Return on assets (Q2 2026): 1.05%
- Loan-to-share ratio (Q2 2026): 31.70%
Employees United Federal Credit Union (NCUA charter 21904, established 1975) reported $12.4M in assets and 1,106 members for Q2 2026 from Paris, Texas. It ranks 286 of 377 credit unions in Texas by total assets. Total assets grew 0.3% from $12.3M on June 30, 2025. It has 75 fewer members than on June 30, 2025 (-6.4%). Its net worth ratio was up 1.03 percentage points from 31.71% on June 30, 2025. New vehicle loans are its largest loan category, $1.0M of $2.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.08% is below 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: 32.87% for Q1 2026; 31.71% 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: 0.00% 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: 1.10% for Q1 2026; 1.26% 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: 34.51% for Q1 2026; 33.54% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.0M
- Used vehicle loans: $945K
- Other unsecured loans and lines of credit: $311K
- Other secured non-real estate loans and lines of credit: $305K
- Unsecured credit card loans: $44K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $12.4M | 32.74% | 0.08% | 1.05% | 31.70% |
| March 31, 2026 | $12.2M | 32.87% | — | 1.10% | 34.51% |
| December 31, 2025 | $12.2M | 32.73% | 0.03% | 1.02% | 36.51% |
| September 30, 2025 | $12.3M | 32.30% | 0.01% | 1.41% | 35.93% |
| June 30, 2025 | $12.3M | 31.71% | 0.00% | 1.26% | 33.54% |
| March 31, 2025 | $12.1M | 32.04% | 0.26% | 0.96% | 35.28% |
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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.
Employees United Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21904) · FFIEC NIC profile (RSSD 1007686)
Frequently asked questions
Is Employees United Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Employees United Federal Credit Union's net worth ratio is 32.74%, above the 7% NCUA threshold for well capitalized.
Is Employees United Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Employees United Federal Credit Union is a federally insured credit union (NCUA charter 21904): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Employees United Federal Credit Union's key safety ratios?
For Q2 2026, Employees United Federal Credit Union reports net worth 32.74%, delinquency 0.08%, ROA 1.05%, loan-to-share 31.70%.
What happens to my money if Employees United Federal Credit Union fails?
For Q2 2026, Employees United Federal Credit Union held $8.3M in shares and deposits for 1,106 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.