Paris District Credit Union Paris, Texas
Paris District Credit Union is a state-chartered credit union headquartered in Paris, TX (NCUA charter 67499), and it is regulated and insured by the NCUA. At Q2 2026 it reported 185 members and total assets of $428K (down 6.3% from Q2 2025), the 376th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 20.35% at Q2 2026, in the well capitalized band.
Also written as Paris District CU
BankRegReports is independent of Paris District Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67499
- Headquarters
- Paris, TX
- Established
- Not reported
- Total assets, Q2 2026
- $428K
- Assets vs Q2 2025
- -6.3%
- Members, Q2 2026
- 185
- Net worth ratio, Q2 2026
- 20.35%
- Latest call report
- Q2 2026, NCUA 5300 · Paris District Credit Union call report
- Asset rank in state
- 376th of 377 in Texas
- Routing number
- 311987207
- Branches
- 1
It has 19 fewer members than on June 30, 2025 (-9.3%). Its net worth ratio was up 1.31 percentage points from 19.04% on June 30, 2025. Used vehicle loans are its largest loan category, $71K of $195K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.90% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 20.35% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Paris District Credit Union
How big is Paris District Credit Union?
At Q2 2026 it reported total assets of $428K and 185 members.
Where is Paris District Credit Union headquartered?
It is headquartered in Paris, TX, United States.
Is Paris District Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67499): 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 Paris District Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Paris District Credit Union well capitalized?
Its net worth ratio was 20.35% 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 Paris District Credit Union's delinquency ratio?
Its delinquency ratio was 1.90% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Paris District Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 57.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Paris, TX 75460
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67499
- RSSD ID
- 812490
- Members
- 185
- Potential members
- 400
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 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: 11.14% to 19.38% | 20.35% | 14.31% | 77th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.02% | 0.72% | 23rd bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.12% | 4.74% | 23rd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.19% | 3.93% | 61st above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.67% | 0.78% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.90% | 0.86% | 26th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.86% | 4.70% | 86th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 57.44% | 58.92% | 48th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$428K total assets against $457K; $340K total shares and deposits against $369K; $195K total loans against $170K.
$87K net worth against $87K.
20.35% net worth ratio against 19.04%.
57.44% loan-to-share ratio against 46.15%.
1.90% delinquency ratio.
0.02% return on assets against 0.10%; 0.12% return on equity against 0.54%.
4.19% net interest margin against 4.11%.
185 members against 204.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.35% | 0.02% | 1.90% | 57.44% |
| March 31, 2026 | 20.02% | 0.03% | 14.66% | 58.89% |
| December 31, 2025 | 20.10% | 0.01% | 1.73% | 62.60% |
| September 30, 2025 | 19.80% | 0.01% | — | 65.10% |
| June 30, 2025 | 19.04% | 0.10% | — | 46.15% |
| March 31, 2025 | 19.16% | 0.11% | 0.76% | 56.70% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.