Credit Union Safety Analysis
Is Scott & White Employees Credit Union Safe? Temple, Texas
Based on its Q2 2026 NCUA 5300 call report, Scott & White Employees Credit Union has a net worth ratio of 18.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.75%, 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, Scott & White Employees Credit Union's net worth ratio is 18.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.49%
- Delinquency ratio (60+ days) (Q2 2026): 0.75%
- Return on assets (Q2 2026): 2.26%
- Loan-to-share ratio (Q2 2026): 70.42%
Scott & White Employees Credit Union (NCUA charter 67612) reported $71.7M in assets and 4,685 members for Q2 2026 from Temple, Texas. It ranks 168 of 377 credit unions in Texas by total assets. Total assets grew 2.0% from $70.3M on June 30, 2025. It has 77 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 2.13 percentage points from 16.36% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.2M of $40.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is below 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: 18.94% for Q1 2026; 16.36% 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: 0.30% for Q1 2026; 0.49% 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: 2.22% for Q1 2026; 2.41% 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: 65.00% for Q1 2026; 63.75% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $15.2M
- New vehicle loans: $10.7M
- Used vehicle loans: $10.0M
- Other secured non-real estate loans and lines of credit: $2.3M
- Other unsecured loans and lines of credit: $1.4M
- Unsecured credit card loans: $704K
- Commercial loans: $228K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $71.7M | 18.49% | 0.75% | 2.26% | 70.42% |
| March 31, 2026 | $73.2M | 18.94% | 0.30% | 2.22% | 65.00% |
| December 31, 2025 | $71.0M | 17.46% | 0.35% | 2.19% | 67.23% |
| September 30, 2025 | $70.8M | 16.85% | 0.92% | 2.35% | 63.41% |
| June 30, 2025 | $70.3M | 16.36% | 0.49% | 2.41% | 63.75% |
| March 31, 2025 | $74.0M | 14.97% | 0.38% | 2.44% | 61.29% |
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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.
Scott & White Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67612) · FFIEC NIC profile (RSSD 976598)
Frequently asked questions
Is Scott & White Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Scott & White Employees Credit Union's net worth ratio is 18.49%, above the 7% NCUA threshold for well capitalized.
Is Scott & White Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Scott & White Employees Credit Union is a federally insured credit union (NCUA charter 67612): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Scott & White Employees Credit Union's key safety ratios?
For Q2 2026, Scott & White Employees Credit Union reports net worth 18.49%, delinquency 0.75%, ROA 2.26%, loan-to-share 70.42%.
What happens to my money if Scott & White Employees Credit Union fails?
For Q2 2026, Scott & White Employees Credit Union held $57.6M in shares and deposits for 4,685 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.