Credit Union Safety Analysis
Is Openland Credit Union Safe? League City, Texas
Based on its Q2 2026 NCUA 5300 call report, Openland Credit Union has a net worth ratio of 11.07%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.09%, 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, Openland Credit Union's net worth ratio is 11.07%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.07%
- Delinquency ratio (60+ days) (Q2 2026): 1.09%
- Return on assets (Q2 2026): 0.39%
- Loan-to-share ratio (Q2 2026): 89.02%
Openland Credit Union (NCUA charter 60608, established 1968) reported $587.9M in assets and 43,893 members for Q2 2026 from League City, Texas. It ranks 57 of 377 credit unions in Texas by total assets. Total assets grew 11.2% from $528.6M on June 30, 2025. It has 191 more members than on June 30, 2025 (+0.4%). Its net worth ratio was down 0.52 percentage points from 11.59% on June 30, 2025. Used vehicle loans are its largest loan category, $190.8M of $462.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.09% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.94% for Q1 2026; 11.59% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.99% for Q1 2026; 1.35% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.94% for Q1 2026; 1.45% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 87.40% for Q1 2026; 93.98% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $190.8M
- 1- to 4-family residential and other consumer real estate loans: $104.1M
- Other unsecured loans and lines of credit: $48.1M
- Unsecured credit card loans: $38.2M
- New vehicle loans: $24.8M
- Other secured non-real estate loans and lines of credit: $24.6M
- Commercial loans: $14.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $587.9M | 11.07% | 1.09% | 0.39% | 89.02% |
| March 31, 2026 | $589.3M | 10.94% | 0.99% | 0.94% | 87.40% |
| December 31, 2025 | $570.6M | 11.06% | 1.22% | 0.33% | 90.77% |
| September 30, 2025 | $543.7M | 11.62% | 1.50% | 1.44% | 93.11% |
| June 30, 2025 | $528.6M | 11.59% | 1.35% | 1.45% | 93.98% |
| March 31, 2025 | $528.9M | 11.22% | 1.13% | 1.58% | 92.39% |
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Free to use. It shows Openland 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.
Regulator records: NCUA credit union profile (charter 60608) · FFIEC NIC profile (RSSD 585495)
Frequently asked questions
Is Openland Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Openland Credit Union's net worth ratio is 11.07%, above the 7% NCUA threshold for well capitalized.
Is Openland Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Openland Credit Union is a federally insured credit union (NCUA charter 60608): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Openland Credit Union's key safety ratios?
For Q2 2026, Openland Credit Union reports net worth 11.07%, delinquency 1.09%, ROA 0.39%, loan-to-share 89.02%.
What happens to my money if Openland Credit Union fails?
For Q2 2026, Openland Credit Union held $519.5M in shares and deposits for 43,893 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.