Credit Union Safety Analysis
Is Natural Resources Conservation Service Federal Credit Union Safe? Fort Worth, Texas
Based on its Q2 2026 NCUA 5300 call report, Natural Resources Conservation Service Federal Credit Union has a net worth ratio of 24.02%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.05%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Natural Resources Conservation Service Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Natural Resources Conservation Service Federal Credit Union's net worth ratio is 24.02%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.02%
- Delinquency ratio (60+ days) (Q2 2026): 3.05%
- Return on assets (Q2 2026): -2.14%
- Loan-to-share ratio (Q2 2026): 42.43%
Natural Resources Conservation Service Federal Credit Union (NCUA charter 2158, established 1937) reported $4.9M in assets and 670 members for Q2 2026 from Fort Worth, Texas. It ranks 340 of 377 credit unions in Texas by total assets. Total assets fell 15.0% from $5.8M on June 30, 2025. It has 81 fewer members than on June 30, 2025 (-10.8%). Its net worth ratio was up 3.45 percentage points from 20.57% on June 30, 2025. Used vehicle loans are its largest loan category, $814K of $1.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.05% 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: 22.88% for Q1 2026; 20.57% 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: 1.85% for Q1 2026; 4.10% 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: -1.65% for Q1 2026; -1.27% 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: 44.85% for Q1 2026; 46.75% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $814K
- New vehicle loans: $354K
- Unsecured credit card loans: $239K
- Other unsecured loans and lines of credit: $110K
- Other secured non-real estate loans and lines of credit: $51K
- Non-federally guaranteed student loans: $8K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.9M | 24.02% | 3.05% | -2.14% | 42.43% |
| March 31, 2026 | $5.3M | 22.88% | 1.85% | -1.65% | 44.85% |
| December 31, 2025 | $5.7M | 21.41% | 0.67% | 0.03% | 40.57% |
| September 30, 2025 | $6.0M | 20.41% | 1.72% | 2.59% | 41.94% |
| June 30, 2025 | $5.8M | 20.57% | 4.10% | -1.27% | 46.75% |
| March 31, 2025 | $6.1M | 19.81% | 3.80% | -3.03% | 46.14% |
Add this badge to your website
Free to use. It shows Natural Resources Conservation Service Federal Credit Union’s latest filed figures and updates each quarter.
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.
Natural Resources Conservation Service Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2158) · FFIEC NIC profile (RSSD 37471)
Frequently asked questions
Is Natural Resources Conservation Service Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Natural Resources Conservation Service Federal Credit Union's net worth ratio is 24.02%, above the 7% NCUA threshold for well capitalized.
Is Natural Resources Conservation Service Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Natural Resources Conservation Service Federal Credit Union is a federally insured credit union (NCUA charter 2158): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Natural Resources Conservation Service Federal Credit Union's key safety ratios?
For Q2 2026, Natural Resources Conservation Service Federal Credit Union reports net worth 24.02%, delinquency 3.05%, ROA -2.14%, loan-to-share 42.43%.
What happens to my money if Natural Resources Conservation Service Federal Credit Union fails?
For Q2 2026, Natural Resources Conservation Service Federal Credit Union held $3.7M in shares and deposits for 670 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.