Credit Union Safety Analysis
Is Insight Credit Union Safe? Winter Springs, Florida
Based on its Q2 2026 NCUA 5300 call report, Insight Credit Union has a net worth ratio of 10.15%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.13%, 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, Insight Credit Union's net worth ratio is 10.15%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.15%
- Delinquency ratio (60+ days) (Q2 2026): 1.13%
- Return on assets (Q2 2026): 0.10%
- Loan-to-share ratio (Q2 2026): 65.18%
Insight Credit Union (NCUA charter 67344, established 1935) reported $629.1M in assets and 41,917 members for Q2 2026 from Winter Springs, Florida. It ranks 33 of 106 credit unions in Florida by total assets. Total assets fell 7.8% from $682.2M on June 30, 2025. It has 1,856 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was up 0.64 percentage points from 9.51% on June 30, 2025. Commercial loans are its largest loan category, $151.4M of $375.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.13% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.88% for Q1 2026; 9.51% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.12% for Q1 2026; 0.95% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.11% for Q1 2026; -0.27% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 62.66% for Q1 2026; 66.40% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $151.4M
- Used vehicle loans: $109.5M
- 1- to 4-family residential and other consumer real estate loans: $94.9M
- New vehicle loans: $11.7M
- Other unsecured loans and lines of credit: $5.1M
- Other secured non-real estate loans and lines of credit: $3.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $629.1M | 10.15% | 1.13% | 0.10% | 65.18% |
| March 31, 2026 | $659.8M | 9.88% | 1.12% | -0.11% | 62.66% |
| December 31, 2025 | $659.2M | 9.92% | 1.15% | 0.19% | 63.75% |
| September 30, 2025 | $654.8M | 9.94% | 1.02% | 0.13% | 65.71% |
| June 30, 2025 | $682.2M | 9.51% | 0.95% | -0.27% | 66.40% |
| March 31, 2025 | $702.0M | 9.52% | 0.81% | -0.42% | 62.67% |
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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.
Regulator records: NCUA credit union profile (charter 67344) · FFIEC NIC profile (RSSD 174778)
Frequently asked questions
Is Insight Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Insight Credit Union's net worth ratio is 10.15%, above the 7% NCUA threshold for well capitalized.
Is Insight Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Insight Credit Union is a federally insured credit union (NCUA charter 67344): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Insight Credit Union's key safety ratios?
For Q2 2026, Insight Credit Union reports net worth 10.15%, delinquency 1.13%, ROA 0.10%, loan-to-share 65.18%.
What happens to my money if Insight Credit Union fails?
For Q2 2026, Insight Credit Union held $576.3M in shares and deposits for 41,917 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.