Credit Union Safety Analysis
Is N C E Credit Union Safe? Corpus Christi, Texas
Based on its Q2 2026 NCUA 5300 call report, N C E Credit Union has a net worth ratio of 20.81%, 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, N C E Credit Union's net worth ratio is 20.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.81%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -0.02%
- Loan-to-share ratio (Q2 2026): 52.04%
N C E Credit Union (NCUA charter 67578) reported $5.9M in assets and 1,297 members for Q2 2026 from Corpus Christi, Texas. It ranks 329 of 377 credit unions in Texas by total assets. Total assets grew 1.1% from $5.8M on June 30, 2025. It has 54 fewer members than on June 30, 2025 (-4.0%). Its net worth ratio was up 0.41 percentage points from 20.40% on June 30, 2025. New vehicle loans are its largest loan category, $1.1M of $2.4M 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: 20.86% for Q1 2026; 20.40% 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: 1.09% for Q1 2026; 3.63% 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: 0.31% for Q1 2026; -0.58% 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: 52.55% for Q1 2026; 61.88% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.1M
- Used vehicle loans: $915K
- Other unsecured loans and lines of credit: $250K
- Other secured non-real estate loans and lines of credit: $136K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.9M | 20.81% | — | -0.02% | 52.04% |
| March 31, 2026 | $5.9M | 20.86% | 1.09% | 0.31% | 52.55% |
| December 31, 2025 | $5.8M | 21.17% | 2.68% | -0.94% | 57.64% |
| September 30, 2025 | $5.9M | 21.12% | 1.85% | 3.21% | 60.69% |
| June 30, 2025 | $5.8M | 20.40% | 3.63% | -0.58% | 61.88% |
| March 31, 2025 | $5.8M | 20.64% | 3.75% | 0.19% | 60.76% |
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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 67578) · FFIEC NIC profile (RSSD 613398)
Frequently asked questions
Is N C E Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, N C E Credit Union's net worth ratio is 20.81%, above the 7% NCUA threshold for well capitalized.
Is N C E Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. N C E Credit Union is a federally insured credit union (NCUA charter 67578): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are N C E Credit Union's key safety ratios?
For Q2 2026, N C E Credit Union reports net worth 20.81%, delinquency not reported, ROA -0.02%, loan-to-share 52.04%.
What happens to my money if N C E Credit Union fails?
For Q2 2026, N C E Credit Union held $4.7M in shares and deposits for 1,297 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.