Credit Union Safety Analysis
Is Naft Federal Credit Union Safe? Pharr, Texas
Based on its Q2 2026 NCUA 5300 call report, Naft Federal Credit Union has a net worth ratio of 16.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.50%, 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, Naft Federal Credit Union's net worth ratio is 16.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.50%
- Return on assets (Q2 2026): 1.88%
- Loan-to-share ratio (Q2 2026): 51.34%
Naft Federal Credit Union (NCUA charter 10994, established 1956) reported $162.3M in assets and 12,091 members for Q2 2026 from Pharr, Texas. It ranks 116 of 377 credit unions in Texas by total assets. Total assets grew 9.7% from $148.0M on June 30, 2025. It has 111 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.35 percentage points from 16.09% on June 30, 2025. New vehicle loans are its largest loan category, $33.4M of $69.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.50% is below 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: 17.04% for Q1 2026; 16.09% 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: 0.36% for Q1 2026; 0.55% 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: 1.69% for Q1 2026; 1.95% 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: 53.27% for Q1 2026; 51.88% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $33.4M
- Used vehicle loans: $14.0M
- Other unsecured loans and lines of credit: $12.2M
- Unsecured credit card loans: $3.8M
- Other secured non-real estate loans and lines of credit: $3.2M
- 1- to 4-family residential and other consumer real estate loans: $3.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $162.3M | 16.44% | 0.50% | 1.88% | 51.34% |
| March 31, 2026 | $152.1M | 17.04% | 0.36% | 1.69% | 53.27% |
| December 31, 2025 | $147.7M | 17.11% | 0.43% | 2.06% | 56.99% |
| September 30, 2025 | $148.4M | 16.52% | 0.48% | 1.89% | 53.33% |
| June 30, 2025 | $148.0M | 16.09% | 0.55% | 1.95% | 51.88% |
| March 31, 2025 | $139.5M | 16.56% | 0.32% | 1.74% | 51.40% |
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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.
Naft Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10994) · FFIEC NIC profile (RSSD 811587)
Frequently asked questions
Is Naft Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Naft Federal Credit Union's net worth ratio is 16.44%, above the 7% NCUA threshold for well capitalized.
Is Naft Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Naft Federal Credit Union is a federally insured credit union (NCUA charter 10994): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Naft Federal Credit Union's key safety ratios?
For Q2 2026, Naft Federal Credit Union reports net worth 16.44%, delinquency 0.50%, ROA 1.88%, loan-to-share 51.34%.
What happens to my money if Naft Federal Credit Union fails?
For Q2 2026, Naft Federal Credit Union held $135.7M in shares and deposits for 12,091 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.