Credit Union Safety Analysis
Is Members Credit Union Safe? Cleburne, Texas
Based on its Q2 2026 NCUA 5300 call report, Members Credit Union has a net worth ratio of 11.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.68%, 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, Members Credit Union's net worth ratio is 11.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.27%
- Delinquency ratio (60+ days) (Q2 2026): 0.68%
- Return on assets (Q2 2026): 1.05%
- Loan-to-share ratio (Q2 2026): 54.67%
Members Credit Union (NCUA charter 67649) reported $117.5M in assets and 8,546 members for Q2 2026 from Cleburne, Texas. It ranks 136 of 377 credit unions in Texas by total assets. Total assets grew 8.0% from $108.8M on June 30, 2025. It has 3 fewer members than on June 30, 2025. Its net worth ratio was up 0.21 percentage points from 11.06% on June 30, 2025. Used vehicle loans are its largest loan category, $38.9M of $57.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.68% matches 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: 11.01% for Q1 2026; 11.06% 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: 0.83% for Q1 2026; 0.69% 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: 0.85% for Q1 2026; 1.05% 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: 49.52% for Q1 2026; 59.66% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $38.9M
- 1- to 4-family residential and other consumer real estate loans: $7.5M
- Other unsecured loans and lines of credit: $4.5M
- Other secured non-real estate loans and lines of credit: $2.8M
- New vehicle loans: $2.8M
- Unsecured credit card loans: $1.0M
- Commercial loans: $301K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $117.5M | 11.27% | 0.68% | 1.05% | 54.67% |
| March 31, 2026 | $117.4M | 11.01% | 0.83% | 0.85% | 49.52% |
| December 31, 2025 | $112.8M | 11.24% | 0.96% | 1.18% | 54.93% |
| September 30, 2025 | $110.4M | 11.19% | 0.65% | 1.13% | 58.38% |
| June 30, 2025 | $108.8M | 11.06% | 0.69% | 1.05% | 59.66% |
| March 31, 2025 | $107.0M | 10.98% | 0.61% | 0.90% | 58.54% |
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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 67649) · FFIEC NIC profile (RSSD 966393)
Frequently asked questions
Is Members Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Members Credit Union's net worth ratio is 11.27%, above the 7% NCUA threshold for well capitalized.
Is Members Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Members Credit Union is a federally insured credit union (NCUA charter 67649): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Members Credit Union's key safety ratios?
For Q2 2026, Members Credit Union reports net worth 11.27%, delinquency 0.68%, ROA 1.05%, loan-to-share 54.67%.
What happens to my money if Members Credit Union fails?
For Q2 2026, Members Credit Union held $105.9M in shares and deposits for 8,546 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.