One Source Federal Credit Union El Paso, Texas
One Source Federal Credit Union is a federal credit union headquartered in El Paso, TX, established in 1937 (NCUA charter 2115), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,654 members and total assets of $124.0M (down 0.3% from Q2 2025), the 131st largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.29% at Q2 2026, in the well capitalized band.
Also written as One Source FCU
BankRegReports is independent of One Source Federal Credit Union and never asks for online banking logins or passwords.
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
- 2115
- Headquarters
- El Paso, TX
- Established
- 1937
- Total assets, Q2 2026
- $124.0M
- Assets vs Q2 2025
- -0.3%
- Members, Q2 2026
- 10,654
- Net worth ratio, Q2 2026
- 10.29%
- Latest call report
- Q2 2026, NCUA 5300 · One Source Federal Credit Union call report
- Asset rank in state
- 131st of 377 in Texas
- Routing number
- 312080970
- Branches
- 3
It has 73 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was down 0.20 percentage points from 10.49% on June 30, 2025. Used vehicle loans are its largest loan category, $35.9M of $72.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.27% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.29% net worth ratio is below that band's 11.43% median.
Credit unions merged into One Source Federal Credit Union
Frequently asked about One Source Federal Credit Union
How big is One Source Federal Credit Union?
At Q2 2026 it reported total assets of $124.0M and 10,654 members.
Where is One Source Federal Credit Union headquartered?
It is headquartered in El Paso, TX, United States.
When was One Source Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is One Source Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2115): 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 One Source Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is One Source Federal Credit Union well capitalized?
Its net worth ratio was 10.29% 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 One Source Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.27% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is One Source Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 65.39% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- El Paso, TX 79925
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 2115
- RSSD ID
- 93374
- Members
- 10,654
- Potential members
- 1,132,356
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.29% | 11.43% | 32nd below |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.61% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -5.95% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.98% | 3.70% | 67th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 102.27% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.91% | 1.24% | 75th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.27% | 0.68% | 84th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.89% | 4.92% | 48th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 65.39% | 75.66% | 31st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$124.0M total assets against $124.3M; $110.4M total shares and deposits against $109.9M; $72.2M total loans against $77.0M.
$12.8M net worth against $13.1M.
10.29% net worth ratio against 10.49%.
65.39% loan-to-share ratio against 70.02%.
0.27% delinquency ratio against 0.32%.
-0.61% return on assets against 0.25%; -5.95% return on equity against 2.35%.
3.98% net interest margin against 3.70%.
10,654 members against 10,727.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.29% | -0.61% | 0.27% | 65.39% |
| March 31, 2026 | 10.35% | -0.27% | 0.37% | 64.68% |
| December 31, 2025 | 10.42% | 0.11% | 0.83% | 67.78% |
| September 30, 2025 | 10.50% | -0.06% | 0.74% | 70.05% |
| June 30, 2025 | 10.49% | 0.25% | 0.32% | 70.02% |
| March 31, 2025 | 10.45% | 0.04% | 0.52% | 71.29% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.