Credit Union Safety Analysis
Is Skel-Tex Credit Union Safe? Skellytown, Texas
Based on its Q2 2026 NCUA 5300 call report, Skel-Tex Credit Union has a net worth ratio of 21.47%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.64%, 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, Skel-Tex Credit Union's net worth ratio is 21.47%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.47%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): 0.75%
- Loan-to-share ratio (Q2 2026): 54.68%
Skel-Tex Credit Union (NCUA charter 60396, established 1964) reported $6.2M in assets and 537 members for Q2 2026 from Skellytown, Texas. It ranks 328 of 377 credit unions in Texas by total assets. Total assets grew 3.6% from $6.0M on June 30, 2025. It has 6 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 0.14 percentage points from 21.33% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $2.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% 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: 21.14% for Q1 2026; 21.33% 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: 0.70% for Q1 2026; 1.91% 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: 0.33% for Q1 2026; 0.71% 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: 55.23% for Q1 2026; 63.22% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.4M
- New vehicle loans: $1.0M
- Other secured non-real estate loans and lines of credit: $264K
- Other unsecured loans and lines of credit: $22K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.2M | 21.47% | 0.64% | 0.75% | 54.68% |
| March 31, 2026 | $6.2M | 21.14% | 0.70% | 0.33% | 55.23% |
| December 31, 2025 | $6.2M | 21.12% | 0.73% | 1.12% | 61.52% |
| September 30, 2025 | $6.0M | 21.58% | 1.23% | 1.38% | 67.24% |
| June 30, 2025 | $6.0M | 21.33% | 1.91% | 0.71% | 63.22% |
| March 31, 2025 | $5.9M | 21.19% | 1.52% | 0.47% | 68.78% |
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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.
Regulator records: NCUA credit union profile (charter 60396) · FFIEC NIC profile (RSSD 157490)
Frequently asked questions
Is Skel-Tex Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Skel-Tex Credit Union's net worth ratio is 21.47%, above the 7% NCUA threshold for well capitalized.
Is Skel-Tex Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Skel-Tex Credit Union is a federally insured credit union (NCUA charter 60396): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Skel-Tex Credit Union's key safety ratios?
For Q2 2026, Skel-Tex Credit Union reports net worth 21.47%, delinquency 0.64%, ROA 0.75%, loan-to-share 54.68%.
What happens to my money if Skel-Tex Credit Union fails?
For Q2 2026, Skel-Tex Credit Union held $4.8M in shares and deposits for 537 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.