Pear Orchard Federal Credit Union Beaumont, Texas
Pear Orchard Federal Credit Union is a federal credit union headquartered in Beaumont, TX, established in 1965 (NCUA charter 17105), and it is regulated and insured by the NCUA. At Q2 2026 it reported 315 members and total assets of $893K (down 5.3% from Q2 2025), the 373rd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 23.83% at Q2 2026, in the well capitalized band.
Also written as Pear Orchard FCU
BankRegReports is independent of Pear Orchard 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
- 17105
- Headquarters
- Beaumont, TX
- Established
- 1965
- Total assets, Q2 2026
- $893K
- Assets vs Q2 2025
- -5.3%
- Members, Q2 2026
- 315
- Net worth ratio, Q2 2026
- 23.83%
- Latest call report
- Q2 2026, NCUA 5300 · Pear Orchard Federal Credit Union call report
- Asset rank in state
- 373rd of 377 in Texas
- Routing number
- 313177743
- Branches
- 1
It had the same number of members on June 30, 2025. Its net worth ratio was up 1.64 percentage points from 22.19% on June 30, 2025. Used vehicle loans are its largest loan category, $191K of $407K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 34.39% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.83% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Pear Orchard Federal Credit Union
How big is Pear Orchard Federal Credit Union?
At Q2 2026 it reported total assets of $893K and 315 members.
Where is Pear Orchard Federal Credit Union headquartered?
It is headquartered in Beaumont, TX, United States.
When was Pear Orchard Federal Credit Union founded?
It was established in 1965, per NCUA records.
Is Pear Orchard Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17105): 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 Pear Orchard Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pear Orchard Federal Credit Union well capitalized?
Its net worth ratio was 23.83% 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 Pear Orchard Federal Credit Union's delinquency ratio?
Its delinquency ratio was 34.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pear Orchard Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 60.07% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Beaumont, TX 77705
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1965
- NCUA Charter #
- 17105
- RSSD ID
- 234887
- Members
- 315
- Potential members
- 3,186
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 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.83% | 14.31% | 85th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.58% | 0.72% | 44th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.44% | 4.74% | 34th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.28% | 3.93% | 24th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.98% | 79.83% | 52nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.19% | 0.78% | 88th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 34.39% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.47% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 60.07% | 58.92% | 52nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$893K total assets against $943K; $678K total shares and deposits against $727K; $407K total loans against $516K.
$213K net worth against $209K.
23.83% net worth ratio against 22.19%.
60.07% loan-to-share ratio against 70.99%.
34.39% delinquency ratio against 27.78%.
0.58% return on assets against 0.85%; 2.44% return on equity against 3.83%.
3.28% net interest margin against 4.13%.
315 members against 315.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.83% | 0.58% | 34.39% | 60.07% |
| March 31, 2026 | 23.78% | 0.05% | 36.42% | 56.05% |
| December 31, 2025 | 23.71% | 0.24% | 32.40% | 61.27% |
| September 30, 2025 | 23.63% | 0.72% | 31.13% | 65.36% |
| June 30, 2025 | 22.19% | 0.85% | 27.78% | 70.99% |
| March 31, 2025 | 21.77% | 0.46% | 27.14% | 77.67% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.