Credit Union Safety Analysis
Is Tarrant County's Credit Union Safe? Fort Worth, Texas
Based on its Q2 2026 NCUA 5300 call report, Tarrant County's Credit Union has a net worth ratio of 9.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, 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, Tarrant County's Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): -0.88%
- Loan-to-share ratio (Q2 2026): 81.20%
Tarrant County's Credit Union (NCUA charter 60051, established 1956) reported $123.7M in assets and 10,986 members for Q2 2026 from Fort Worth, Texas. It ranks 132 of 377 credit unions in Texas by total assets. Total assets fell 0.2% from $123.9M on June 30, 2025. It has 169 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was down 0.46 percentage points from 10.05% on June 30, 2025. Used vehicle loans are its largest loan category, $38.5M of $89.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.63% for Q1 2026; 10.05% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.84% for Q1 2026; 1.86% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.70% for Q1 2026; 0.22% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 78.64% for Q1 2026; 88.87% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $38.5M
- 1- to 4-family residential and other consumer real estate loans: $19.8M
- New vehicle loans: $12.3M
- Other unsecured loans and lines of credit: $9.7M
- Other secured non-real estate loans and lines of credit: $5.4M
- Unsecured credit card loans: $2.8M
- Commercial loans: $883K
- Non-federally guaranteed student loans: $10K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $123.7M | 9.59% | 0.80% | -0.88% | 81.20% |
| March 31, 2026 | $126.1M | 9.63% | 0.84% | -0.70% | 78.64% |
| December 31, 2025 | $122.5M | 10.08% | 1.13% | -0.18% | 83.80% |
| September 30, 2025 | $121.7M | 10.22% | 1.57% | -0.05% | 87.89% |
| June 30, 2025 | $123.9M | 10.05% | 1.86% | 0.22% | 88.87% |
| March 31, 2025 | $122.9M | 10.08% | 1.61% | 0.11% | 89.25% |
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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.
Tarrant County's Credit Union profile
Regulator records: NCUA credit union profile (charter 60051) · FFIEC NIC profile (RSSD 272991)
Frequently asked questions
Is Tarrant County's Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tarrant County's Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
Is Tarrant County's Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tarrant County's Credit Union is a federally insured credit union (NCUA charter 60051): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tarrant County's Credit Union's key safety ratios?
For Q2 2026, Tarrant County's Credit Union reports net worth 9.59%, delinquency 0.80%, ROA -0.88%, loan-to-share 81.20%.
What happens to my money if Tarrant County's Credit Union fails?
For Q2 2026, Tarrant County's Credit Union held $110.3M in shares and deposits for 10,986 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.