Credit Union Safety Analysis
Is Tex-Mex Credit Union Safe? Laredo, Texas
Based on its Q2 2026 NCUA 5300 call report, Tex-Mex Credit Union has a net worth ratio of 23.94%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.49%, 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, Tex-Mex Credit Union's net worth ratio is 23.94%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.94%
- Delinquency ratio (60+ days) (Q2 2026): 2.49%
- Return on assets (Q2 2026): 1.11%
- Loan-to-share ratio (Q2 2026): 67.38%
Tex-Mex Credit Union (NCUA charter 67579) reported $8.4M in assets and 2,149 members for Q2 2026 from Laredo, Texas. It ranks 313 of 377 credit unions in Texas by total assets. Total assets fell 4.2% from $8.8M on June 30, 2025. 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.
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: 23.33% for Q1 2026; 23.64% 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: 1.25% for Q1 2026; 4.92% for Q2 2025.
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: -1.42% for Q1 2026; -4.49% 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: 69.89% for Q1 2026; 88.47% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.7M
- Other unsecured loans and lines of credit: $1.2M
- Other secured non-real estate loans and lines of credit: $1.1M
- New vehicle loans: $216K
- Unsecured credit card loans: $115K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.4M | 23.94% | 2.49% | 1.11% | 67.38% |
| March 31, 2026 | $8.6M | 23.33% | 1.25% | -1.42% | 69.89% |
| December 31, 2025 | $8.2M | 24.63% | 1.57% | -2.85% | 75.61% |
| September 30, 2025 | $8.4M | 24.69% | 2.76% | -0.52% | 79.47% |
| June 30, 2025 | $8.8M | 23.64% | 4.92% | -4.49% | 88.47% |
| March 31, 2025 | $9.2M | 23.68% | 5.69% | -16.66% | 86.86% |
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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 67579) · FFIEC NIC profile (RSSD 533991)
Frequently asked questions
Is Tex-Mex Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tex-Mex Credit Union's net worth ratio is 23.94%, above the 7% NCUA threshold for well capitalized.
Is Tex-Mex Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tex-Mex Credit Union is a federally insured credit union (NCUA charter 67579): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tex-Mex Credit Union's key safety ratios?
For Q2 2026, Tex-Mex Credit Union reports net worth 23.94%, delinquency 2.49%, ROA 1.11%, loan-to-share 67.38%.
What happens to my money if Tex-Mex Credit Union fails?
For Q2 2026, Tex-Mex Credit Union held $6.4M in shares and deposits for 2,149 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.