Sherwin Federal Credit Union Gregory, Texas
Sherwin Federal Credit Union is a federal credit union headquartered in Gregory, TX, established in 1958 (NCUA charter 12259), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,914 members and total assets of $6.6M (down 10.3% from Q2 2025), the 325th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 34.44% at Q2 2026, in the well capitalized band.
Also written as Sherwin FCU
BankRegReports is independent of Sherwin Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12259
- Headquarters
- Gregory, TX
- Established
- 1958
- Total assets, Q2 2026
- $6.6M
- Assets vs Q2 2025
- -10.3%
- Members, Q2 2026
- 1,914
- Net worth ratio, Q2 2026
- 34.44%
- Latest call report
- Q2 2026, NCUA 5300 · Sherwin Federal Credit Union call report
- Asset rank in state
- 325th of 377 in Texas
- Routing number
- 314987699
- Branches
- 5
It has 6 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 2.55 percentage points from 31.89% on June 30, 2025. New vehicle loans are its largest loan category, $2.3M of $3.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Sherwin Federal Credit Union
How big is Sherwin Federal Credit Union?
At Q2 2026 it reported total assets of $6.6M and 1,914 members.
Where is Sherwin Federal Credit Union headquartered?
It is headquartered in Gregory, TX, United States.
When was Sherwin Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Sherwin Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12259): 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 Sherwin Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sherwin Federal Credit Union well capitalized?
Its net worth ratio was 34.44% 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 Sherwin Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gregory, TX 78359
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12259
- RSSD ID
- 306289
- Members
- 1,914
- Potential members
- 4,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 34.44% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.59% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -4.62% | 4.74% | 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.09% | 3.93% | 57th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 135.16% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.21% | 0.78% | 86th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.29% | 4.70% | 29th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 85.58% | 58.92% | 86th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.6M total assets against $7.4M; $4.3M total shares and deposits against $5.0M; $3.7M total loans against $3.5M.
$2.3M net worth against $2.4M.
34.44% net worth ratio against 31.89%.
85.58% loan-to-share ratio against 70.69%.
-1.59% return on assets against -0.80%; -4.62% return on equity against -2.50%.
4.09% net interest margin against 3.78%.
1,914 members against 1,908.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 34.44% | -1.59% | — | 85.58% |
| March 31, 2026 | 33.25% | -1.68% | 0.20% | 80.31% |
| December 31, 2025 | 31.90% | -1.87% | — | 71.73% |
| September 30, 2025 | 33.83% | -0.29% | — | 75.65% |
| June 30, 2025 | 31.89% | -0.80% | — | 70.69% |
| March 31, 2025 | 32.96% | -1.59% | — | 69.86% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.