Credit Union Safety Analysis
Is S P Trainmen Federal Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, S P Trainmen Federal Credit Union has a net worth ratio of 9.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 26.03%, 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, S P Trainmen Federal Credit Union's net worth ratio is 9.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.78%
- Delinquency ratio (60+ days) (Q2 2026): 26.03%
- Return on assets (Q2 2026): -0.75%
- Loan-to-share ratio (Q2 2026): 29.46%
S P Trainmen Federal Credit Union (NCUA charter 9496, established 1954) reported $2.7M in assets and 423 members for Q2 2026 from Houston, Texas. It ranks 360 of 377 credit unions in Texas by total assets. Total assets fell 8.4% from $3.0M on June 30, 2025. It has 61 fewer members than on June 30, 2025 (-12.6%). Its net worth ratio was down 9.85 percentage points from 19.63% on June 30, 2025. New vehicle loans are its largest loan category, $229K of $660K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 26.03% 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: 9.99% for Q1 2026; 19.63% 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: 3.37% for Q1 2026; 23.59% 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: -1.89% for Q1 2026; -6.15% 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: 27.76% for Q1 2026; 35.12% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $229K
- Other secured non-real estate loans and lines of credit: $193K
- Other unsecured loans and lines of credit: $154K
- Used vehicle loans: $79K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.7M | 9.78% | 26.03% | -0.75% | 29.46% |
| March 31, 2026 | $2.7M | 9.99% | 3.37% | -1.89% | 27.76% |
| December 31, 2025 | $2.7M | 10.56% | 5.07% | 2.25% | 31.86% |
| September 30, 2025 | $2.9M | 14.79% | 25.66% | -22.72% | 33.31% |
| June 30, 2025 | $3.0M | 19.63% | 23.59% | -6.15% | 35.12% |
| March 31, 2025 | $2.9M | 21.88% | 4.73% | -4.43% | 37.50% |
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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.
S P Trainmen Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9496) · FFIEC NIC profile (RSSD 1000780)
Frequently asked questions
Is S P Trainmen Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S P Trainmen Federal Credit Union's net worth ratio is 9.78%, above the 7% NCUA threshold for well capitalized.
Is S P Trainmen Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S P Trainmen Federal Credit Union is a federally insured credit union (NCUA charter 9496): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S P Trainmen Federal Credit Union's key safety ratios?
For Q2 2026, S P Trainmen Federal Credit Union reports net worth 9.78%, delinquency 26.03%, ROA -0.75%, loan-to-share 29.46%.
What happens to my money if S P Trainmen Federal Credit Union fails?
For Q2 2026, S P Trainmen Federal Credit Union held $2.2M in shares and deposits for 423 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.