Credit Union Safety Analysis
Is Fivepoint Credit Union Safe? Nederland, Texas
Based on its Q2 2026 NCUA 5300 call report, Fivepoint Credit Union has a net worth ratio of 8.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.76%, 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, Fivepoint Credit Union's net worth ratio is 8.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.76%
- Return on assets (Q2 2026): 0.91%
- Loan-to-share ratio (Q2 2026): 88.54%
Fivepoint Credit Union (NCUA charter 68643, established 1935) reported $1.12B in assets and 58,059 members for Q2 2026 from Nederland, Texas. It ranks 34 of 377 credit unions in Texas by total assets. Total assets grew 6.7% from $1.05B on June 30, 2025. It has 1,963 more members than on June 30, 2025 (+3.5%). Its net worth ratio was down 0.39 percentage points from 9.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $264.4M of $889.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.76% 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: 8.90% for Q1 2026; 9.17% 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: 0.62% for Q1 2026; 0.47% 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: 0.00% for Q1 2026; 1.22% 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: 86.20% for Q1 2026; 86.95% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $264.4M
- Used vehicle loans: $241.0M
- New vehicle loans: $142.1M
- Commercial loans: $83.7M
- Other secured non-real estate loans and lines of credit: $63.6M
- Other unsecured loans and lines of credit: $63.0M
- Unsecured credit card loans: $31.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.12B | 8.78% | 0.76% | 0.91% | 88.54% |
| March 31, 2026 | $1.12B | 8.90% | 0.62% | 0.00% | 86.20% |
| December 31, 2025 | $1.11B | 8.99% | 0.76% | 1.18% | 86.64% |
| September 30, 2025 | $1.08B | 9.00% | 0.72% | 0.45% | 87.83% |
| June 30, 2025 | $1.05B | 9.17% | 0.47% | 1.22% | 86.95% |
| March 31, 2025 | $1.03B | 9.04% | 0.50% | 0.35% | 85.01% |
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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.
Fivepoint Credit Union profile
Regulator records: NCUA credit union profile (charter 68643) · FFIEC NIC profile (RSSD 176875)
Frequently asked questions
Is Fivepoint Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fivepoint Credit Union's net worth ratio is 8.78%, above the 7% NCUA threshold for well capitalized.
Is Fivepoint Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fivepoint Credit Union is a federally insured credit union (NCUA charter 68643): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fivepoint Credit Union's key safety ratios?
For Q2 2026, Fivepoint Credit Union reports net worth 8.78%, delinquency 0.76%, ROA 0.91%, loan-to-share 88.54%.
What happens to my money if Fivepoint Credit Union fails?
For Q2 2026, Fivepoint Credit Union held $1.00B in shares and deposits for 58,059 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.