Credit Union Safety Analysis
Is Neighborhood Credit Union Safe? Dallas, Texas
Based on its Q2 2026 NCUA 5300 call report, Neighborhood Credit Union has a net worth ratio of 10.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.54%, 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, Neighborhood Credit Union's net worth ratio is 10.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.76%
- Delinquency ratio (60+ days) (Q2 2026): 1.54%
- Return on assets (Q2 2026): 0.61%
- Loan-to-share ratio (Q2 2026): 77.51%
Neighborhood Credit Union (NCUA charter 67681) reported $1.12B in assets and 67,059 members for Q2 2026 from Dallas, Texas. It ranks 32 of 377 credit unions in Texas by total assets. Total assets fell 0.2% from $1.13B on June 30, 2025. It has 890 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.55 percentage points from 10.21% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $298.6M of $773.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.54% is above 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: 10.52% for Q1 2026; 10.21% 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: 1.54% for Q1 2026; 1.16% 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: 0.69% for Q1 2026; 0.35% 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: 76.86% for Q1 2026; 77.72% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $298.6M
- Used vehicle loans: $235.7M
- Other unsecured loans and lines of credit: $92.8M
- New vehicle loans: $85.3M
- Other secured non-real estate loans and lines of credit: $32.2M
- Unsecured credit card loans: $29.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.12B | 10.76% | 1.54% | 0.61% | 77.51% |
| March 31, 2026 | $1.13B | 10.52% | 1.54% | 0.69% | 76.86% |
| December 31, 2025 | $1.13B | 10.63% | 1.38% | 0.64% | 77.75% |
| September 30, 2025 | $1.12B | 10.49% | 1.32% | 1.02% | 78.50% |
| June 30, 2025 | $1.13B | 10.21% | 1.16% | 0.35% | 77.72% |
| March 31, 2025 | $1.14B | 10.01% | 0.94% | 0.16% | 78.12% |
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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.
Neighborhood Credit Union profile
Regulator records: NCUA credit union profile (charter 67681) · FFIEC NIC profile (RSSD 688396)
Frequently asked questions
Is Neighborhood Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Neighborhood Credit Union's net worth ratio is 10.76%, above the 7% NCUA threshold for well capitalized.
Is Neighborhood Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Neighborhood Credit Union is a federally insured credit union (NCUA charter 67681): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Neighborhood Credit Union's key safety ratios?
For Q2 2026, Neighborhood Credit Union reports net worth 10.76%, delinquency 1.54%, ROA 0.61%, loan-to-share 77.51%.
What happens to my money if Neighborhood Credit Union fails?
For Q2 2026, Neighborhood Credit Union held $998.1M in shares and deposits for 67,059 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.