Pantex Federal Credit Union Borger, Texas
Pantex Federal Credit Union is a federal credit union headquartered in Borger, TX, established in 1940 (NCUA charter 3571), and it is regulated and insured by the NCUA. At Q2 2026 it reported 14,369 members and total assets of $233.4M (down 1.0% from Q2 2025), the 93rd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 22.25% at Q2 2026, in the well capitalized band.
Also written as Pantex FCU
BankRegReports is independent of Pantex 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
- 3571
- Headquarters
- Borger, TX
- Established
- 1940
- Total assets, Q2 2026
- $233.4M
- Assets vs Q2 2025
- -1.0%
- Members, Q2 2026
- 14,369
- Net worth ratio, Q2 2026
- 22.25%
- Latest call report
- Q2 2026, NCUA 5300 · Pantex Federal Credit Union call report
- Asset rank in state
- 93rd of 377 in Texas
- Routing number
- 311378052
- Branches
- 4
It has 254 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 1.68 percentage points from 20.57% on June 30, 2025. Used vehicle loans are its largest loan category, $35.7M of $63.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 22.25% net worth ratio is above that band's 11.43% median.
Frequently asked about Pantex Federal Credit Union
How big is Pantex Federal Credit Union?
At Q2 2026 it reported total assets of $233.4M and 14,369 members.
Where is Pantex Federal Credit Union headquartered?
It is headquartered in Borger, TX, United States.
When was Pantex Federal Credit Union founded?
It was established in 1940, per NCUA records.
Is Pantex Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3571): 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 Pantex Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pantex Federal Credit Union well capitalized?
Its net worth ratio was 22.25% 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 Pantex Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.69% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pantex Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 34.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Borger, TX 79007
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 3571
- RSSD ID
- 435675
- Members
- 14,369
- Potential members
- 98,041
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 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 22.25% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.45% | 0.81% | 82nd top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.51% | 7.02% | 46th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.64% | 3.70% | 46th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 63.66% | 76.55% | 84th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.96% | 1.24% | 71st above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.69% | 0.68% | 50th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.60% | 4.92% | 29th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 34.82% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$233.4M total assets against $235.6M; $183.3M total shares and deposits against $189.3M; $63.8M total loans against $67.2M.
$51.9M net worth against $48.5M.
22.25% net worth ratio against 20.57%.
34.82% loan-to-share ratio against 35.47%.
0.69% delinquency ratio against 0.65%.
1.45% return on assets against 1.26%; 6.51% return on equity against 6.14%.
3.64% net interest margin against 3.15%.
14,369 members against 14,623.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 22.25% | 1.45% | 0.69% | 34.82% |
| March 31, 2026 | 21.36% | 1.57% | 0.81% | 34.00% |
| December 31, 2025 | 21.23% | 1.30% | 0.71% | 35.51% |
| September 30, 2025 | 20.77% | 1.56% | 0.77% | 35.05% |
| June 30, 2025 | 20.57% | 1.26% | 0.65% | 35.47% |
| March 31, 2025 | 20.09% | 0.93% | 0.63% | 33.27% |
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.