Credit Union Safety Analysis
Is I L A 28 Federal Credit Union Safe? Pasadena, Texas
Based on its Q2 2026 NCUA 5300 call report, I L A 28 Federal Credit Union has a net worth ratio of 21.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 L A 28 Federal Credit Union's net worth ratio is 21.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.56%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.78%
- Loan-to-share ratio (Q2 2026): 78.21%
I L A 28 Federal Credit Union (NCUA charter 19983, established 1970) reported $10.5M in assets and 897 members for Q2 2026 from Pasadena, Texas. It ranks 301 of 377 credit unions in Texas by total assets. Total assets grew 5.1% from $9.9M on June 30, 2025. It has 171 fewer members than on June 30, 2025 (-16.0%). Its net worth ratio was down 0.22 percentage points from 21.78% on June 30, 2025. New vehicle loans are its largest loan category, $2.6M of $6.4M in total loans on its June 30, 2026 filing.
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: 20.98% for Q1 2026; 21.78% 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: 0.55% for Q1 2026; 0.21% 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: 0.19% for Q1 2026; 2.00% 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: 77.81% for Q1 2026; 82.64% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $2.6M
- Used vehicle loans: $2.2M
- Other secured non-real estate loans and lines of credit: $1.1M
- Other unsecured loans and lines of credit: $501K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.5M | 21.56% | — | 1.78% | 78.21% |
| March 31, 2026 | $10.5M | 20.98% | 0.55% | 0.19% | 77.81% |
| December 31, 2025 | $10.4M | 21.21% | — | -0.04% | 79.39% |
| September 30, 2025 | $9.8M | 22.42% | — | 1.58% | 84.50% |
| June 30, 2025 | $9.9M | 21.78% | 0.21% | 2.00% | 82.64% |
| March 31, 2025 | $9.7M | 21.94% | — | -0.51% | 87.41% |
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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 L A 28 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19983) · FFIEC NIC profile (RSSD 649687)
Frequently asked questions
Is I L A 28 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I L A 28 Federal Credit Union's net worth ratio is 21.56%, above the 7% NCUA threshold for well capitalized.
Is I L A 28 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I L A 28 Federal Credit Union is a federally insured credit union (NCUA charter 19983): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I L A 28 Federal Credit Union's key safety ratios?
For Q2 2026, I L A 28 Federal Credit Union reports net worth 21.56%, delinquency not reported, ROA 1.78%, loan-to-share 78.21%.
What happens to my money if I L A 28 Federal Credit Union fails?
For Q2 2026, I L A 28 Federal Credit Union held $8.2M in shares and deposits for 897 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.