Credit Union Safety Analysis
Is Randolph-Brooks Federal Credit Union Safe? Live Oak, Texas
Based on its Q2 2026 NCUA 5300 call report, Randolph-Brooks Federal Credit Union has a net worth ratio of 13.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.27%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Randolph-Brooks Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Randolph-Brooks Federal Credit Union's net worth ratio is 13.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.42%
- Delinquency ratio (60+ days) (Q2 2026): 1.27%
- Return on assets (Q2 2026): 1.95%
- Loan-to-share ratio (Q2 2026): 82.37%
Randolph-Brooks Federal Credit Union (NCUA charter 8111, established 1952) reported $19.57B in assets and 1,152,532 members for Q2 2026 from Live Oak, Texas. It is the largest of 377 credit unions in Texas by total assets. Total assets grew 4.6% from $18.70B on June 30, 2025. It has 32,128 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.80 percentage points from 12.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.66B of $12.83B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.27% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 13.18% for Q1 2026; 12.62% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 1.00% for Q1 2026; 0.96% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.02% for Q1 2026; 1.75% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 82.09% for Q1 2026; 85.45% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $6.66B
- Used vehicle loans: $2.65B
- Commercial loans: $1.00B
- New vehicle loans: $709.6M
- Other secured non-real estate loans and lines of credit: $708.6M
- Unsecured credit card loans: $648.5M
- Other unsecured loans and lines of credit: $449.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $19.57B | 13.42% | 1.27% | 1.95% | 82.37% |
| March 31, 2026 | $19.19B | 13.18% | 1.00% | 1.02% | 82.09% |
| December 31, 2025 | $19.20B | 12.98% | 1.05% | 1.20% | 84.33% |
| September 30, 2025 | $18.91B | 12.88% | 0.89% | 1.59% | 85.15% |
| June 30, 2025 | $18.70B | 12.62% | 0.96% | 1.75% | 85.45% |
| March 31, 2025 | $18.50B | 12.31% | 0.71% | 1.15% | 84.37% |
Add this badge to your website
Free to use. It shows Randolph-Brooks Federal 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.
Randolph-Brooks Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 8111) · FFIEC NIC profile (RSSD 491381)
Frequently asked questions
Is Randolph-Brooks Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Randolph-Brooks Federal Credit Union's net worth ratio is 13.42%, above the 7% NCUA threshold for well capitalized.
Is Randolph-Brooks Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Randolph-Brooks Federal Credit Union is a federally insured credit union (NCUA charter 8111): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Randolph-Brooks Federal Credit Union's key safety ratios?
For Q2 2026, Randolph-Brooks Federal Credit Union reports net worth 13.42%, delinquency 1.27%, ROA 1.95%, loan-to-share 82.37%.
What happens to my money if Randolph-Brooks Federal Credit Union fails?
For Q2 2026, Randolph-Brooks Federal Credit Union held $15.58B in shares and deposits for 1,152,532 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.