Credit Union Safety Analysis
Is Marshall T & P Employees Federal Credit Union Safe? Marshall, Texas
Based on its Q2 2026 NCUA 5300 call report, Marshall T & P Employees Federal Credit Union has a net worth ratio of 17.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.04%, 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, Marshall T & P Employees Federal Credit Union's net worth ratio is 17.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.89%
- Delinquency ratio (60+ days) (Q2 2026): 1.04%
- Return on assets (Q2 2026): 1.14%
- Loan-to-share ratio (Q2 2026): 76.38%
Marshall T & P Employees Federal Credit Union (NCUA charter 5686, established 1948) reported $17.4M in assets and 1,414 members for Q2 2026 from Marshall, Texas. It ranks 264 of 377 credit unions in Texas by total assets. Total assets grew 8.0% from $16.1M on June 30, 2025. It has 3 fewer members than on June 30, 2025 (-0.2%). Its net worth ratio was down 0.94 percentage points from 18.83% on June 30, 2025. New vehicle loans are its largest loan category, $4.6M of $10.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.04% 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: 17.85% for Q1 2026; 18.83% 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: 1.02% for Q1 2026; 1.05% 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: 1.00% for Q1 2026; 1.02% 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: 75.73% for Q1 2026; 80.88% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $4.6M
- Used vehicle loans: $3.0M
- Other secured non-real estate loans and lines of credit: $2.0M
- Other unsecured loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $17.4M | 17.89% | 1.04% | 1.14% | 76.38% |
| March 31, 2026 | $17.1M | 17.85% | 1.02% | 1.00% | 75.73% |
| December 31, 2025 | $16.6M | 18.19% | 0.50% | -1.52% | 77.63% |
| September 30, 2025 | $16.2M | 19.00% | 0.50% | 1.58% | 81.59% |
| June 30, 2025 | $16.1M | 18.83% | 1.05% | 1.02% | 80.88% |
| March 31, 2025 | $16.0M | 18.61% | 0.93% | 0.92% | 81.31% |
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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.
Marshall T & P Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5686) · FFIEC NIC profile (RSSD 810478)
Frequently asked questions
Is Marshall T & P Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Marshall T & P Employees Federal Credit Union's net worth ratio is 17.89%, above the 7% NCUA threshold for well capitalized.
Is Marshall T & P Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Marshall T & P Employees Federal Credit Union is a federally insured credit union (NCUA charter 5686): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Marshall T & P Employees Federal Credit Union's key safety ratios?
For Q2 2026, Marshall T & P Employees Federal Credit Union reports net worth 17.89%, delinquency 1.04%, ROA 1.14%, loan-to-share 76.38%.
What happens to my money if Marshall T & P Employees Federal Credit Union fails?
For Q2 2026, Marshall T & P Employees Federal Credit Union held $14.1M in shares and deposits for 1,414 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.