Credit Union Safety Analysis
Is Temple-Inland Federal Credit Union Safe? Diboll, Texas
Based on its Q2 2026 NCUA 5300 call report, Temple-Inland Federal Credit Union has a net worth ratio of 18.28%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.68%, 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, Temple-Inland Federal Credit Union's net worth ratio is 18.28%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.28%
- Delinquency ratio (60+ days) (Q2 2026): 0.68%
- Return on assets (Q2 2026): 1.18%
- Loan-to-share ratio (Q2 2026): 44.70%
Temple-Inland Federal Credit Union (NCUA charter 6726, established 1950) reported $20.1M in assets and 1,688 members for Q2 2026 from Diboll, Texas. It ranks 252 of 377 credit unions in Texas by total assets. Total assets grew 1.0% from $19.9M on June 30, 2025. It has 13 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.95 percentage points from 17.33% on June 30, 2025. Used vehicle loans are its largest loan category, $3.6M of $7.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.68% 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: 17.90% for Q1 2026; 17.33% 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: 0.23% 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: 0.70% for Q1 2026; 1.70% 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: 45.07% for Q1 2026; 43.38% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.6M
- New vehicle loans: $2.7M
- Other secured non-real estate loans and lines of credit: $858K
- Other unsecured loans and lines of credit: $307K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $20.1M | 18.28% | 0.68% | 1.18% | 44.70% |
| March 31, 2026 | $20.2M | 17.90% | 0.23% | 0.70% | 45.07% |
| December 31, 2025 | $20.2M | 17.69% | — | 1.33% | 44.15% |
| September 30, 2025 | $20.0M | 17.57% | — | 1.40% | 45.62% |
| June 30, 2025 | $19.9M | 17.33% | — | 1.70% | 43.38% |
| March 31, 2025 | $19.9M | 16.94% | — | 0.45% | 42.75% |
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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.
Temple-Inland Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6726) · FFIEC NIC profile (RSSD 814588)
Frequently asked questions
Is Temple-Inland Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Temple-Inland Federal Credit Union's net worth ratio is 18.28%, above the 7% NCUA threshold for well capitalized.
Is Temple-Inland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Temple-Inland Federal Credit Union is a federally insured credit union (NCUA charter 6726): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Temple-Inland Federal Credit Union's key safety ratios?
For Q2 2026, Temple-Inland Federal Credit Union reports net worth 18.28%, delinquency 0.68%, ROA 1.18%, loan-to-share 44.70%.
What happens to my money if Temple-Inland Federal Credit Union fails?
For Q2 2026, Temple-Inland Federal Credit Union held $16.7M in shares and deposits for 1,688 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.