Credit Union Safety Analysis
Is I B E W Lu 66 Federal Credit Union Safe? Pasadena, Texas
Based on its Q2 2026 NCUA 5300 call report, I B E W Lu 66 Federal Credit Union has a net worth ratio of 13.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.23%, 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, I B E W Lu 66 Federal Credit Union's net worth ratio is 13.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.85%
- Delinquency ratio (60+ days) (Q2 2026): 0.23%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 93.68%
I B E W Lu 66 Federal Credit Union (NCUA charter 20469, established 1971) reported $11.5M in assets and 1,569 members for Q2 2026 from Pasadena, Texas. It ranks 289 of 377 credit unions in Texas by total assets. Total assets grew 3.6% from $11.1M on June 30, 2025. It has 166 more members than on June 30, 2025 (+11.8%). Its net worth ratio was up 0.25 percentage points from 13.60% on June 30, 2025. Used vehicle loans are its largest loan category, $4.6M of $9.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.23% 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: 13.82% for Q1 2026; 13.60% 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: 0.64% for Q1 2026; 0.39% 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: 0.70% for Q1 2026; 0.87% 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: 89.23% for Q1 2026; 96.48% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.6M
- New vehicle loans: $2.8M
- Other unsecured loans and lines of credit: $973K
- Other secured non-real estate loans and lines of credit: $740K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.5M | 13.85% | 0.23% | 0.50% | 93.68% |
| March 31, 2026 | $12.0M | 13.82% | 0.64% | 0.70% | 89.23% |
| December 31, 2025 | $11.2M | 13.95% | 0.63% | 0.95% | 92.05% |
| September 30, 2025 | $11.5M | 13.72% | 0.35% | 1.20% | 90.52% |
| June 30, 2025 | $11.1M | 13.60% | 0.39% | 0.87% | 96.48% |
| March 31, 2025 | $11.0M | 13.54% | 1.09% | 1.00% | 96.95% |
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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.
I B E W Lu 66 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20469) · FFIEC NIC profile (RSSD 21685)
Frequently asked questions
Is I B E W Lu 66 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I B E W Lu 66 Federal Credit Union's net worth ratio is 13.85%, above the 7% NCUA threshold for well capitalized.
Is I B E W Lu 66 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I B E W Lu 66 Federal Credit Union is a federally insured credit union (NCUA charter 20469): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I B E W Lu 66 Federal Credit Union's key safety ratios?
For Q2 2026, I B E W Lu 66 Federal Credit Union reports net worth 13.85%, delinquency 0.23%, ROA 0.50%, loan-to-share 93.68%.
What happens to my money if I B E W Lu 66 Federal Credit Union fails?
For Q2 2026, I B E W Lu 66 Federal Credit Union held $9.8M in shares and deposits for 1,569 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.