Credit Union Safety Analysis
Is Pear Orchard Federal Credit Union Safe? Beaumont, Texas
Based on its Q2 2026 NCUA 5300 call report, Pear Orchard Federal Credit Union has a net worth ratio of 23.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 34.39%, 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, Pear Orchard Federal Credit Union's net worth ratio is 23.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.83%
- Delinquency ratio (60+ days) (Q2 2026): 34.39%
- Return on assets (Q2 2026): 0.58%
- Loan-to-share ratio (Q2 2026): 60.07%
Pear Orchard Federal Credit Union (NCUA charter 17105, established 1965) reported $893K in assets and 315 members for Q2 2026 from Beaumont, Texas. It ranks 373 of 377 credit unions in Texas by total assets. Total assets fell 5.3% from $943K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.78% for Q1 2026; 22.19% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 36.42% for Q1 2026; 27.78% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.05% for Q1 2026; 0.85% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 56.05% for Q1 2026; 70.99% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $191K
- New vehicle loans: $154K
- Other secured non-real estate loans and lines of credit: $39K
- Other unsecured loans and lines of credit: $23K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $893K | 23.83% | 34.39% | 0.58% | 60.07% |
| March 31, 2026 | $890K | 23.78% | 36.42% | 0.05% | 56.05% |
| December 31, 2025 | $892K | 23.71% | 32.40% | 0.24% | 61.27% |
| September 30, 2025 | $893K | 23.63% | 31.13% | 0.72% | 65.36% |
| June 30, 2025 | $943K | 22.19% | 27.78% | 0.85% | 70.99% |
| March 31, 2025 | $952K | 21.77% | 27.14% | 0.46% | 77.67% |
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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.
Pear Orchard Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17105) · FFIEC NIC profile (RSSD 234887)
Frequently asked questions
Is Pear Orchard Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pear Orchard Federal Credit Union's net worth ratio is 23.83%, above the 7% NCUA threshold for well capitalized.
Is Pear Orchard Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pear Orchard Federal Credit Union is a federally insured credit union (NCUA charter 17105): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pear Orchard Federal Credit Union's key safety ratios?
For Q2 2026, Pear Orchard Federal Credit Union reports net worth 23.83%, delinquency 34.39%, ROA 0.58%, loan-to-share 60.07%.
What happens to my money if Pear Orchard Federal Credit Union fails?
For Q2 2026, Pear Orchard Federal Credit Union held $678K in shares and deposits for 315 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.