Credit Union Safety Analysis
Is Firstmark Credit Union Safe? San Antonio, Texas
Based on its Q2 2026 NCUA 5300 call report, Firstmark Credit Union has a net worth ratio of 9.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, 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, Firstmark Credit Union's net worth ratio is 9.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.72%
- Loan-to-share ratio (Q2 2026): 73.13%
Firstmark Credit Union (NCUA charter 62509, established 1932) reported $1.29B in assets and 86,300 members for Q2 2026 from San Antonio, Texas. It ranks 26 of 377 credit unions in Texas by total assets. Total assets grew 5.0% from $1.23B on June 30, 2025. It has 2,670 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was down 0.65 percentage points from 10.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $292.8M of $848.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above 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: 9.62% for Q1 2026; 10.27% 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: 0.71% for Q1 2026; 0.63% 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: 0.68% for Q1 2026; 0.23% 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: 69.69% for Q1 2026; 67.33% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $292.8M
- Used vehicle loans: $234.3M
- Commercial loans: $171.9M
- Other unsecured loans and lines of credit: $72.4M
- New vehicle loans: $39.9M
- Unsecured credit card loans: $34.3M
- Other secured non-real estate loans and lines of credit: $2.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.29B | 9.62% | 0.70% | 0.72% | 73.13% |
| March 31, 2026 | $1.27B | 9.62% | 0.71% | 0.68% | 69.69% |
| December 31, 2025 | $1.24B | 9.72% | 0.82% | -1.87% | 70.47% |
| September 30, 2025 | $1.22B | 10.33% | 0.65% | -0.01% | 70.41% |
| June 30, 2025 | $1.23B | 10.27% | 0.63% | 0.23% | 67.33% |
| March 31, 2025 | $1.22B | 10.35% | 0.61% | -0.03% | 66.51% |
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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.
Firstmark Credit Union profile
Regulator records: NCUA credit union profile (charter 62509) · FFIEC NIC profile (RSSD 681490)
Frequently asked questions
Is Firstmark Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Firstmark Credit Union's net worth ratio is 9.62%, above the 7% NCUA threshold for well capitalized.
Is Firstmark Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Firstmark Credit Union is a federally insured credit union (NCUA charter 62509): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Firstmark Credit Union's key safety ratios?
For Q2 2026, Firstmark Credit Union reports net worth 9.62%, delinquency 0.70%, ROA 0.72%, loan-to-share 73.13%.
What happens to my money if Firstmark Credit Union fails?
For Q2 2026, Firstmark Credit Union held $1.16B in shares and deposits for 86,300 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.