Credit Union Safety Analysis
Is Sweetex Credit Union Safe? Longview, Texas
Based on its Q2 2026 NCUA 5300 call report, Sweetex Credit Union has a net worth ratio of 39.42%, 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, Sweetex Credit Union's net worth ratio is 39.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 39.42%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.14%
- Loan-to-share ratio (Q2 2026): 58.40%
Sweetex Credit Union (NCUA charter 67520) reported $9.4M in assets and 691 members for Q2 2026 from Longview, Texas. It ranks 306 of 377 credit unions in Texas by total assets. Total assets fell 0.8% from $9.5M on June 30, 2025. It has 28 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was up 1.67 percentage points from 37.75% on June 30, 2025. New vehicle loans are its largest loan category, $1.7M of $3.3M 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: 39.28% for Q1 2026; 37.75% 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%.
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: 1.28% for Q1 2026; 1.02% 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: 62.82% for Q1 2026; 58.96% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.7M
- Other secured non-real estate loans and lines of credit: $819K
- Used vehicle loans: $605K
- 1- to 4-family residential and other consumer real estate loans: $157K
- Other unsecured loans and lines of credit: $27K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.4M | 39.42% | — | 1.14% | 58.40% |
| March 31, 2026 | $9.4M | 39.28% | — | 1.28% | 62.82% |
| December 31, 2025 | $9.3M | 39.50% | — | 1.41% | 64.79% |
| September 30, 2025 | $9.0M | 40.19% | — | 1.80% | 64.71% |
| June 30, 2025 | $9.5M | 37.75% | — | 1.02% | 58.96% |
| March 31, 2025 | $9.4M | 38.13% | — | 0.67% | 56.13% |
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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 67520) · FFIEC NIC profile (RSSD 959890)
Frequently asked questions
Is Sweetex Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sweetex Credit Union's net worth ratio is 39.42%, above the 7% NCUA threshold for well capitalized.
Is Sweetex Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sweetex Credit Union is a federally insured credit union (NCUA charter 67520): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sweetex Credit Union's key safety ratios?
For Q2 2026, Sweetex Credit Union reports net worth 39.42%, delinquency not reported, ROA 1.14%, loan-to-share 58.40%.
What happens to my money if Sweetex Credit Union fails?
For Q2 2026, Sweetex Credit Union held $5.6M in shares and deposits for 691 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.