Credit Union Safety Analysis
Is Neches Federal Credit Union Safe? Port Neches, Texas
Based on its Q2 2026 NCUA 5300 call report, Neches Federal Credit Union has a net worth ratio of 14.66%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, 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, Neches Federal Credit Union's net worth ratio is 14.66%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.66%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 2.26%
- Loan-to-share ratio (Q2 2026): 88.00%
Neches Federal Credit Union (NCUA charter 7916, established 1952) reported $1.23B in assets and 83,078 members for Q2 2026 from Port Neches, Texas. It ranks 30 of 377 credit unions in Texas by total assets. Total assets grew 16.4% from $1.06B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.65% for Q1 2026; 15.14% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.20% for Q1 2026; 0.37% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 2.09% for Q1 2026; 2.09% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 87.48% for Q1 2026; 88.11% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $328.0M
- Used vehicle loans: $234.8M
- New vehicle loans: $170.5M
- Other secured non-real estate loans and lines of credit: $57.3M
- Other unsecured loans and lines of credit: $53.4M
- Commercial loans: $45.5M
- Unsecured credit card loans: $29.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.23B | 14.66% | 0.20% | 2.26% | 88.00% |
| March 31, 2026 | $1.19B | 14.65% | 0.20% | 2.09% | 87.48% |
| December 31, 2025 | $1.11B | 15.16% | 0.25% | 1.49% | 89.45% |
| September 30, 2025 | $1.08B | 15.22% | 0.30% | 1.81% | 89.51% |
| June 30, 2025 | $1.06B | 15.14% | 0.37% | 2.09% | 88.11% |
| March 31, 2025 | $1.04B | 14.82% | 0.32% | 1.40% | 85.65% |
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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.
Neches Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7916) · FFIEC NIC profile (RSSD 542180)
Frequently asked questions
Is Neches Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Neches Federal Credit Union's net worth ratio is 14.66%, above the 7% NCUA threshold for well capitalized.
Is Neches Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Neches Federal Credit Union is a federally insured credit union (NCUA charter 7916): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Neches Federal Credit Union's key safety ratios?
For Q2 2026, Neches Federal Credit Union reports net worth 14.66%, delinquency 0.20%, ROA 2.26%, loan-to-share 88.00%.
What happens to my money if Neches Federal Credit Union fails?
For Q2 2026, Neches Federal Credit Union held $1.04B in shares and deposits for 83,078 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.