Credit Union Safety Analysis
Is Linkage Credit Union Safe? Waco, Texas
Based on its Q2 2026 NCUA 5300 call report, Linkage Credit Union has a net worth ratio of 17.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.27%, 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, Linkage Credit Union's net worth ratio is 17.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.92%
- Delinquency ratio (60+ days) (Q2 2026): 1.27%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 64.63%
Linkage Credit Union (NCUA charter 67519) reported $18.2M in assets and 1,861 members for Q2 2026 from Waco, Texas. It ranks 261 of 377 credit unions in Texas by total assets. Total assets grew 2.0% from $17.8M on June 30, 2025. It has 64 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was down 0.14 percentage points from 18.06% on June 30, 2025. New vehicle loans are its largest loan category, $3.7M of $9.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.27% is above 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: 18.08% for Q1 2026; 18.06% 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: 0.29% 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: -0.40% for Q1 2026; 0.46% 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: 66.12% for Q1 2026; 69.40% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.7M
- Used vehicle loans: $3.4M
- Other secured non-real estate loans and lines of credit: $1.5M
- Unsecured credit card loans: $552K
- Other unsecured loans and lines of credit: $496K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $18.2M | 17.92% | 1.27% | 0.54% | 64.63% |
| March 31, 2026 | $17.9M | 18.08% | 0.29% | -0.40% | 66.12% |
| December 31, 2025 | $17.9M | 18.17% | 0.71% | 0.59% | 66.61% |
| September 30, 2025 | $17.9M | 17.96% | 0.58% | 0.13% | 67.81% |
| June 30, 2025 | $17.8M | 18.06% | 0.39% | 0.46% | 69.40% |
| March 31, 2025 | $17.9M | 17.88% | 0.61% | -0.09% | 70.44% |
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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 67519) · FFIEC NIC profile (RSSD 977090)
Frequently asked questions
Is Linkage Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Linkage Credit Union's net worth ratio is 17.92%, above the 7% NCUA threshold for well capitalized.
Is Linkage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Linkage Credit Union is a federally insured credit union (NCUA charter 67519): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Linkage Credit Union's key safety ratios?
For Q2 2026, Linkage Credit Union reports net worth 17.92%, delinquency 1.27%, ROA 0.54%, loan-to-share 64.63%.
What happens to my money if Linkage Credit Union fails?
For Q2 2026, Linkage Credit Union held $14.9M in shares and deposits for 1,861 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.