Neches Federal Credit Union Port Neches, Texas
Neches Federal Credit Union is a federal credit union headquartered in Port Neches, TX, established in 1952 (NCUA charter 7916), and it is regulated and insured by the NCUA. At Q2 2026 it reported 83,078 members and total assets of $1.23B (up 16.4% from Q2 2025), the 30th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 14.66% at Q2 2026, in the well capitalized band.
Also written as Neches FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 7916
- Headquarters
- Port Neches, TX
- Established
- 1952
- Total assets, Q2 2026
- $1.23B
- Assets vs Q2 2025
- +16.4%
- Members, Q2 2026
- 83,078
- Net worth ratio, Q2 2026
- 14.66%
- Latest call report
- Q2 2026, NCUA 5300 · Neches Federal Credit Union call report
- Asset rank in state
- 30th of 377 in Texas
- Routing number
- 313187636
- Branches
- 11
It has 3,527 more members than on June 30, 2025 (+4.4%). Its net worth ratio was down 0.48 percentage points from 15.14% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $328.0M of $918.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 14.66% net worth ratio is above that band's 10.89% median.
Frequently asked about Neches Federal Credit Union
How big is Neches Federal Credit Union?
At Q2 2026 it reported total assets of $1.23B and 83,078 members.
Where is Neches Federal Credit Union headquartered?
It is headquartered in Port Neches, TX, United States.
When was Neches Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is Neches Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7916): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Neches Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Neches Federal Credit Union well capitalized?
Its net worth ratio was 14.66% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Neches Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.20% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Neches Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Port Neches, TX 77651
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 7916
- RSSD ID
- 542180
- Members
- 83,078
- Potential members
- 1,027,689
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 14.66% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 2.26% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 15.39% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.17% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.07% | 70.59% | 89th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.70% | 1.68% | 48th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.20% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.88% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 88.00% | 88.03% | 50th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.23B total assets against $1.06B; $1.04B total shares and deposits against $889.3M; $918.8M total loans against $783.6M.
$180.2M net worth against $160.1M.
14.66% net worth ratio against 15.14%.
88.00% loan-to-share ratio against 88.11%.
0.20% delinquency ratio against 0.37%.
2.26% return on assets against 2.09%; 15.39% return on equity against 13.79%.
4.17% net interest margin against 4.12%.
83,078 members against 79,551.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.66% | 2.26% | 0.20% | 88.00% |
| March 31, 2026 | 14.65% | 2.09% | 0.20% | 87.48% |
| December 31, 2025 | 15.16% | 1.49% | 0.25% | 89.45% |
| September 30, 2025 | 15.22% | 1.81% | 0.30% | 89.51% |
| June 30, 2025 | 15.14% | 2.09% | 0.37% | 88.11% |
| March 31, 2025 | 14.82% | 1.40% | 0.32% | 85.65% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.