Resource One Credit Union Dallas, Texas
Resource One Credit Union is a state-chartered credit union headquartered in Dallas, TX, established in 1936 (NCUA charter 68439), and it is regulated and insured by the NCUA. At Q2 2026 it reported 62,847 members and total assets of $555.2M (down 19.9% from Q2 2025), the 61st largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.43% at Q2 2026, in the well capitalized band.
Also written as Resource One CU
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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
- 68439
- Headquarters
- Dallas, TX
- Established
- 1936
- Total assets, Q2 2026
- $555.2M
- Assets vs Q2 2025
- -19.9%
- Members, Q2 2026
- 62,847
- Net worth ratio, Q2 2026
- 10.43%
- Latest call report
- Q2 2026, NCUA 5300 · Resource One Credit Union call report
- Asset rank in state
- 61st of 377 in Texas
- Routing number
- 311080162
- Branches
- 10
It has 9,091 fewer members than on June 30, 2025 (-12.6%). Its net worth ratio was up 3.16 percentage points from 7.27% on June 30, 2025. Its 60-day delinquency ratio of 2.33% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.43% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Texas
Credit unions merged into Resource One Credit Union
A New Direction Credit Union (2022)
Frequently asked about Resource One Credit Union
How big is Resource One Credit Union?
At Q2 2026 it reported total assets of $555.2M and 62,847 members.
Where is Resource One Credit Union headquartered?
It is headquartered in Dallas, TX, United States.
When was Resource One Credit Union founded?
It was established in 1936, per NCUA records.
Is Resource One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68439): 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 Resource One 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 Resource One Credit Union well capitalized?
Its net worth ratio was 10.43% 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 Resource One Credit Union's delinquency ratio?
Its delinquency ratio was 2.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Resource One Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dallas, TX 75215
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 68439
- RSSD ID
- 473275
- Members
- 62,847
- Potential members
- 2,900,000
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 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.43% | 11.43% | 35th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 5.84% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 55.98% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.22% | 3.70% | 79th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 45.60% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.99% | 1.24% | 69th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 2.33% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.22% | 4.92% | 66th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 83.35% | 75.66% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$555.2M total assets against $693.4M; $495.2M total shares and deposits against $642.4M; $412.7M total loans against $525.6M.
$57.9M net worth against $50.5M.
10.43% net worth ratio against 7.27%.
83.35% loan-to-share ratio against 81.82%.
2.33% delinquency ratio against 1.46%.
5.84% return on assets against 0.61%; 55.98% return on equity against 8.39%.
4.22% net interest margin against 3.99%.
62,847 members against 71,938.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.43% | 5.84% | 2.33% | 83.35% |
| March 31, 2026 | 7.61% | 0.58% | 1.56% | 79.43% |
| December 31, 2025 | 7.45% | -0.06% | 2.11% | 80.30% |
| September 30, 2025 | 7.59% | -0.03% | 1.89% | 82.95% |
| June 30, 2025 | 7.27% | 0.61% | 1.46% | 81.82% |
| March 31, 2025 | 7.02% | 0.09% | 1.01% | 84.82% |
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.