Tex-Mex Credit Union Laredo, Texas
Tex-Mex Credit Union is a state-chartered credit union headquartered in Laredo, TX (NCUA charter 67579), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,149 members and total assets of $8.4M (down 4.2% from Q2 2025), the 313th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 23.94% at Q2 2026, in the well capitalized band.
Also written as Tex-Mex CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67579
- Headquarters
- Laredo, TX
- Established
- Not reported
- Total assets, Q2 2026
- $8.4M
- Assets vs Q2 2025
- -4.2%
- Members, Q2 2026
- 2,149
- Net worth ratio, Q2 2026
- 23.94%
- Latest call report
- Q2 2026, NCUA 5300 · Tex-Mex Credit Union call report
- Asset rank in state
- 313th of 377 in Texas
- Routing number
- 314985659
- Branches
- 1
It has 258 fewer members than on June 30, 2025 (-10.7%). Its net worth ratio was up 0.30 percentage points from 23.64% on June 30, 2025. Used vehicle loans are its largest loan category, $1.7M of $4.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.49% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.94% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Tex-Mex Credit Union
How big is Tex-Mex Credit Union?
At Q2 2026 it reported total assets of $8.4M and 2,149 members.
Where is Tex-Mex Credit Union headquartered?
It is headquartered in Laredo, TX, United States.
Is Tex-Mex Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67579): 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 Tex-Mex Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Tex-Mex Credit Union well capitalized?
Its net worth ratio was 23.94% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Tex-Mex Credit Union's delinquency ratio?
Its delinquency ratio was 2.49% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tex-Mex Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 67.38% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Laredo, TX 78040
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67579
- RSSD ID
- 533991
- Members
- 2,149
- Potential members
- 5,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.94% | 14.31% | 86th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.11% | 0.72% | 67th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.65% | 4.74% | 49th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.07% | 3.93% | 87th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 115.63% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.31% | 0.78% | 79th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.49% | 0.86% | 21st bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.38% | 4.70% | 76th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 67.38% | 58.92% | 63rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.4M total assets against $8.8M; $6.4M total shares and deposits against $6.2M; $4.3M total loans against $5.5M.
$2.0M net worth against $2.1M.
23.94% net worth ratio against 23.64%.
67.38% loan-to-share ratio against 88.47%.
2.49% delinquency ratio against 4.92%.
1.11% return on assets against -4.49%; 4.65% return on equity against -18.98%.
5.07% net interest margin against 6.91%.
2,149 members against 2,407.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.94% | 1.11% | 2.49% | 67.38% |
| March 31, 2026 | 23.33% | -1.42% | 1.25% | 69.89% |
| December 31, 2025 | 24.63% | -2.85% | 1.57% | 75.61% |
| September 30, 2025 | 24.69% | -0.52% | 2.76% | 79.47% |
| June 30, 2025 | 23.64% | -4.49% | 4.92% | 88.47% |
| March 31, 2025 | 23.68% | -16.66% | 5.69% | 86.86% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.