Texans Credit Union Richardson, Texas
Texans Credit Union is a state-chartered credit union headquartered in Richardson, TX, established in 1953 (NCUA charter 60806), and it is regulated and insured by the NCUA. At Q2 2026 it reported 150,417 members and total assets of $2.58B (up 10.3% from Q2 2025), the 14th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.07% at Q2 2026, in the well capitalized band.
Also written as Texans 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
- 60806
- Headquarters
- Richardson, TX
- Established
- 1953
- Total assets, Q2 2026
- $2.58B
- Assets vs Q2 2025
- +10.3%
- Members, Q2 2026
- 150,417
- Net worth ratio, Q2 2026
- 11.07%
- Latest call report
- Q2 2026, NCUA 5300 · Texans Credit Union call report
- Asset rank in state
- 14th of 377 in Texas
- Routing number
- 311987786
- Branches
- 14
It has 15,631 more members than on June 30, 2025 (+11.6%). Its net worth ratio was up 0.13 percentage points from 10.94% on June 30, 2025. Used vehicle loans are its largest loan category, $787.7M of $1.82B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.07% net worth ratio is above that band's 10.89% median.
Credit unions merged into Texans Credit Union
Frequently asked about Texans Credit Union
How big is Texans Credit Union?
At Q2 2026 it reported total assets of $2.58B and 150,417 members.
Where is Texans Credit Union headquartered?
It is headquartered in Richardson, TX, United States.
When was Texans Credit Union founded?
It was established in 1953, per NCUA records.
Is Texans Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60806): 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 Texans 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 Texans Credit Union well capitalized?
Its net worth ratio was 11.07% 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 Texans Credit Union's delinquency ratio?
Its delinquency ratio was 0.69% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Texans Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Richardson, TX 75081
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 60806
- RSSD ID
- 244792
- Members
- 150,417
- Potential members
- 31,709,821
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.07% | 10.89% | 53rd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.80% | 0.89% | 43rd below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.23% | 8.07% | 42nd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.30% | 3.45% | 41st below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.08% | 70.59% | 48th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.81% | 1.68% | 39th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.69% | 0.68% | 50th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.12% | 5.12% | 50th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 79.58% | 88.03% | 28th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.58B total assets against $2.34B; $2.29B total shares and deposits against $2.08B; $1.82B total loans against $1.66B.
$285.2M net worth against $255.6M.
11.07% net worth ratio against 10.94%.
79.58% loan-to-share ratio against 80.01%.
0.69% delinquency ratio against 0.36%.
0.80% return on assets against 1.08%; 7.23% return on equity against 9.88%.
3.30% net interest margin against 3.33%.
150,417 members against 134,786.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.07% | 0.80% | 0.69% | 79.58% |
| March 31, 2026 | 10.68% | 0.87% | 0.62% | 76.87% |
| December 31, 2025 | 10.84% | 1.00% | 0.68% | 77.34% |
| September 30, 2025 | 10.93% | 1.00% | 0.45% | 79.47% |
| June 30, 2025 | 10.94% | 1.08% | 0.36% | 80.01% |
| March 31, 2025 | 10.62% | 0.96% | 0.36% | 77.44% |
Scroll sideways to see every column.
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.