Soarion Federal Credit Union San Antonio, Texas
Soarion Federal Credit Union is a federal credit union headquartered in San Antonio, TX, established in 1952 (NCUA charter 8169), and it is regulated and insured by the NCUA. At Q2 2026 it reported 58,757 members and total assets of $555.6M (down 2.7% from Q2 2025), the 59th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 6.79% at Q2 2026, in the adequately capitalized band.
Also written as Soarion FCU · Trade name filed with the NCUA: Soarion Credit Union
BankRegReports is independent of Soarion 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
- 8169
- Headquarters
- San Antonio, TX
- Established
- 1952
- Total assets, Q2 2026
- $555.6M
- Assets vs Q2 2025
- -2.7%
- Members, Q2 2026
- 58,757
- Net worth ratio, Q2 2026
- 6.79%
- Latest call report
- Q2 2026, NCUA 5300 · Soarion Federal Credit Union call report
- Asset rank in state
- 59th of 377 in Texas
- Routing number
- 314085504
- Branches
- 8
It has 2,217 more members than on June 30, 2025 (+3.9%). Its net worth ratio was down 0.03 percentage points from 6.82% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $189.4M of $426.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.01% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 6.79% net worth ratio is below that band's 11.43% median.
Credit unions merged into Soarion Federal Credit Union
Frequently asked about Soarion Federal Credit Union
How big is Soarion Federal Credit Union?
At Q2 2026 it reported total assets of $555.6M and 58,757 members.
Where is Soarion Federal Credit Union headquartered?
It is headquartered in San Antonio, TX, United States.
When was Soarion Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is Soarion Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8169): 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 Soarion Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Soarion Federal Credit Union well capitalized?
Its net worth ratio was 6.79% at Q2 2026, in the adequately capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Soarion Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Soarion Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.46% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Antonio, TX 78245
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 8169
- RSSD ID
- 463285
- Members
- 58,757
- Potential members
- 80,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 6.79% | 11.43% | under 10th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.95% | 0.81% | 59th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 13.96% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.75% | 3.70% | 53rd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.93% | 76.55% | 31st below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.21% | 1.24% | 52nd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.01% | 0.68% | 31st below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.96% | 4.92% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 87.46% | 75.66% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$555.6M total assets against $571.1M; $487.8M total shares and deposits against $526.3M; $426.7M total loans against $377.1M.
$38.0M net worth against $39.5M.
6.79% net worth ratio against 6.82%.
87.46% loan-to-share ratio against 71.66%.
1.01% delinquency ratio against 1.74%.
0.95% return on assets against 1.02%; 13.96% return on equity against 14.76%.
3.75% net interest margin against 3.63%.
58,757 members against 56,540.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 6.79% | 0.95% | 1.01% | 87.46% |
| March 31, 2026 | 6.49% | 1.62% | 1.07% | 83.40% |
| December 31, 2025 | 6.06% | -0.40% | 1.94% | 82.36% |
| September 30, 2025 | 6.16% | -0.54% | 1.27% | 83.18% |
| June 30, 2025 | 6.82% | 1.02% | 1.74% | 71.66% |
| March 31, 2025 | 6.14% | -0.21% | 1.49% | 79.87% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is between 6% and 7%, adequately capitalized but below the 7% level NCUA considers well capitalized. Worth monitoring, not yet a PCA trigger. NCUA well-capitalized threshold, 12 CFR 702.102.
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.