Credit Union Safety Analysis
Is Sherwin Federal Credit Union Safe? Gregory, Texas
Based on its Q2 2026 NCUA 5300 call report, Sherwin Federal Credit Union has a net worth ratio of 34.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Sherwin Federal Credit Union's net worth ratio is 34.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 34.44%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -1.59%
- Loan-to-share ratio (Q2 2026): 85.58%
Sherwin Federal Credit Union (NCUA charter 12259, established 1958) reported $6.6M in assets and 1,914 members for Q2 2026 from Gregory, Texas. It ranks 325 of 377 credit unions in Texas by total assets. Total assets fell 10.3% from $7.4M on June 30, 2025. 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.
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: 33.25% for Q1 2026; 31.89% 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: 0.20% for Q1 2026 .
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: -1.68% for Q1 2026; -0.80% 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: 80.31% for Q1 2026; 70.69% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $2.3M
- Used vehicle loans: $852K
- Other unsecured loans and lines of credit: $304K
- Other secured non-real estate loans and lines of credit: $205K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.6M | 34.44% | — | -1.59% | 85.58% |
| March 31, 2026 | $7.0M | 33.25% | 0.20% | -1.68% | 80.31% |
| December 31, 2025 | $7.4M | 31.90% | — | -1.87% | 71.73% |
| September 30, 2025 | $7.0M | 33.83% | — | -0.29% | 75.65% |
| June 30, 2025 | $7.4M | 31.89% | — | -0.80% | 70.69% |
| March 31, 2025 | $7.2M | 32.96% | — | -1.59% | 69.86% |
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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.
Sherwin Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12259) · FFIEC NIC profile (RSSD 306289)
Frequently asked questions
Is Sherwin Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sherwin Federal Credit Union's net worth ratio is 34.44%, above the 7% NCUA threshold for well capitalized.
Is Sherwin Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sherwin Federal Credit Union is a federally insured credit union (NCUA charter 12259): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sherwin Federal Credit Union's key safety ratios?
For Q2 2026, Sherwin Federal Credit Union reports net worth 34.44%, delinquency not reported, ROA -1.59%, loan-to-share 85.58%.
What happens to my money if Sherwin Federal Credit Union fails?
For Q2 2026, Sherwin Federal Credit Union held $4.3M in shares and deposits for 1,914 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.