Credit Union Safety Analysis
Is Texas D P S Credit Union Safe? Austin, Texas
Based on its Q2 2026 NCUA 5300 call report, Texas D P S Credit Union has a net worth ratio of 12.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.15%, 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, Texas D P S Credit Union's net worth ratio is 12.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.48%
- Delinquency ratio (60+ days) (Q2 2026): 0.15%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 66.02%
Texas D P S Credit Union (NCUA charter 67511) reported $98.1M in assets and 5,658 members for Q2 2026 from Austin, Texas. It ranks 145 of 377 credit unions in Texas by total assets. Total assets fell 0.1% from $98.2M on June 30, 2025. It has 37 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.90 percentage points from 11.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $22.8M of $56.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% 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: 12.14% for Q1 2026; 11.58% 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: 0.45% for Q1 2026; 0.17% 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: 0.73% for Q1 2026; 1.08% 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: 65.68% for Q1 2026; 65.22% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $22.8M
- Used vehicle loans: $18.2M
- New vehicle loans: $7.7M
- Other secured non-real estate loans and lines of credit: $3.3M
- Other unsecured loans and lines of credit: $3.0M
- Unsecured credit card loans: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $98.1M | 12.48% | 0.15% | 0.47% | 66.02% |
| March 31, 2026 | $99.9M | 12.14% | 0.45% | 0.73% | 65.68% |
| December 31, 2025 | $98.7M | 12.11% | 0.90% | 1.28% | 66.70% |
| September 30, 2025 | $99.6M | 11.70% | 0.71% | 1.14% | 65.68% |
| June 30, 2025 | $98.2M | 11.58% | 0.17% | 1.08% | 65.22% |
| March 31, 2025 | $98.7M | 11.25% | 0.18% | 0.94% | 64.16% |
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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.
Texas D P S Credit Union profile
Regulator records: NCUA credit union profile (charter 67511) · FFIEC NIC profile (RSSD 575795)
Frequently asked questions
Is Texas D P S Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Texas D P S Credit Union's net worth ratio is 12.48%, above the 7% NCUA threshold for well capitalized.
Is Texas D P S Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Texas D P S Credit Union is a federally insured credit union (NCUA charter 67511): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Texas D P S Credit Union's key safety ratios?
For Q2 2026, Texas D P S Credit Union reports net worth 12.48%, delinquency 0.15%, ROA 0.47%, loan-to-share 66.02%.
What happens to my money if Texas D P S Credit Union fails?
For Q2 2026, Texas D P S Credit Union held $85.2M in shares and deposits for 5,658 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.