Credit Union Safety Analysis
Is Resource One Credit Union Safe? Dallas, Texas
Based on its Q2 2026 NCUA 5300 call report, Resource One Credit Union has a net worth ratio of 10.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.33%, 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, Resource One Credit Union's net worth ratio is 10.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.43%
- Delinquency ratio (60+ days) (Q2 2026): 2.33%
- Return on assets (Q2 2026): 5.84%
- Loan-to-share ratio (Q2 2026): 83.35%
Resource One Credit Union (NCUA charter 68439, established 1936) reported $555.2M in assets and 62,847 members for Q2 2026 from Dallas, Texas. It ranks 61 of 377 credit unions in Texas by total assets. Total assets fell 19.9% from $693.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 7.61% for Q1 2026; 7.27% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.56% for Q1 2026; 1.46% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.58% for Q1 2026; 0.61% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 79.43% for Q1 2026; 81.82% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $555.2M | 10.43% | 2.33% | 5.84% | 83.35% |
| March 31, 2026 | $654.0M | 7.61% | 1.56% | 0.58% | 79.43% |
| December 31, 2025 | $655.7M | 7.45% | 2.11% | -0.06% | 80.30% |
| September 30, 2025 | $662.8M | 7.59% | 1.89% | -0.03% | 82.95% |
| June 30, 2025 | $693.4M | 7.27% | 1.46% | 0.61% | 81.82% |
| March 31, 2025 | $702.2M | 7.02% | 1.01% | 0.09% | 84.82% |
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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.
Resource One Credit Union profile
Regulator records: NCUA credit union profile (charter 68439) · FFIEC NIC profile (RSSD 473275)
Frequently asked questions
Is Resource One Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Resource One Credit Union's net worth ratio is 10.43%, above the 7% NCUA threshold for well capitalized.
Is Resource One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Resource One Credit Union is a federally insured credit union (NCUA charter 68439): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Resource One Credit Union's key safety ratios?
For Q2 2026, Resource One Credit Union reports net worth 10.43%, delinquency 2.33%, ROA 5.84%, loan-to-share 83.35%.
What happens to my money if Resource One Credit Union fails?
For Q2 2026, Resource One Credit Union held $495.2M in shares and deposits for 62,847 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.