Germania Credit Union Brenham, Texas
Germania Credit Union is a state-chartered credit union headquartered in Brenham, TX, established in 1986 (NCUA charter 66857), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,538 members and total assets of $19.5M (up 1.9% from Q2 2025), the 257th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.58% at Q2 2026, in the well capitalized band.
Also written as Germania CU
BankRegReports is independent of Germania Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66857
- Headquarters
- Brenham, TX
- Established
- 1986
- Total assets, Q2 2026
- $19.5M
- Assets vs Q2 2025
- +1.9%
- Members, Q2 2026
- 2,538
- Net worth ratio, Q2 2026
- 12.58%
- Latest call report
- Q2 2026, NCUA 5300 · Germania Credit Union call report
- Asset rank in state
- 257th of 377 in Texas
- Routing number
- 313193222
- Branches
- 2
It has 1 more member than on June 30, 2025. Its net worth ratio was up 0.25 percentage points from 12.33% on June 30, 2025. New vehicle loans are its largest loan category, $5.8M of $10.5M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Germania Credit Union
How big is Germania Credit Union?
At Q2 2026 it reported total assets of $19.5M and 2,538 members.
Where is Germania Credit Union headquartered?
It is headquartered in Brenham, TX, United States.
When was Germania Credit Union founded?
It was established in 1986, per NCUA records.
Is Germania Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66857): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Germania Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Germania Credit Union well capitalized?
Its net worth ratio was 12.58% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Germania Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.21% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Brenham, TX 77833
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1986
- NCUA Charter #
- 66857
- RSSD ID
- 779696
- Members
- 2,538
- Potential members
- 175,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.58% | 14.31% | 36th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.66% | 0.72% | 48th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.27% | 4.74% | 53rd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.22% | 3.93% | 23rd bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.12% | 79.83% | 39th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.29% | 0.78% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.51% | 4.70% | 41st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 62.21% | 58.92% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$19.5M total assets against $19.1M; $16.9M total shares and deposits against $16.6M; $10.5M total loans against $11.1M.
$2.5M net worth against $2.4M.
12.58% net worth ratio against 12.33%.
62.21% loan-to-share ratio against 67.01%.
0.66% return on assets against 1.17%; 5.27% return on equity against 9.49%.
3.22% net interest margin against 3.54%.
2,538 members against 2,537.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.58% | 0.66% | — | 62.21% |
| March 31, 2026 | 12.45% | 0.40% | — | 60.68% |
| December 31, 2025 | 12.61% | 0.27% | — | 62.41% |
| September 30, 2025 | 13.12% | 0.63% | — | 68.96% |
| June 30, 2025 | 12.33% | 1.17% | — | 67.01% |
| March 31, 2025 | 11.97% | 0.32% | — | 67.05% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.