Texas Health Credit Union Austin, Texas
Texas Health Credit Union is a state-chartered credit union headquartered in Austin, TX (NCUA charter 67452), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,784 members and total assets of $134.3M (down 1.1% from Q2 2025), the 125th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.77% at Q2 2026, in the well capitalized band.
Also written as Texas Health CU
BankRegReports is independent of Texas Health Credit Union and never asks for online banking logins or passwords.
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
- 67452
- Headquarters
- Austin, TX
- Established
- Not reported
- Total assets, Q2 2026
- $134.3M
- Assets vs Q2 2025
- -1.1%
- Members, Q2 2026
- 4,784
- Net worth ratio, Q2 2026
- 13.77%
- Latest call report
- Q2 2026, NCUA 5300 · Texas Health Credit Union call report
- Asset rank in state
- 125th of 377 in Texas
- Routing number
- 314977340
- Branches
- 3
It has 117 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was up 0.74 percentage points from 13.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $44.5M of $69.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.17% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.77% net worth ratio is above that band's 11.43% median.
Frequently asked about Texas Health Credit Union
How big is Texas Health Credit Union?
At Q2 2026 it reported total assets of $134.3M and 4,784 members.
Where is Texas Health Credit Union headquartered?
It is headquartered in Austin, TX, United States.
Is Texas Health Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67452): 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 Texas Health 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 Texas Health Credit Union well capitalized?
Its net worth ratio was 13.77% 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 Texas Health Credit Union's delinquency ratio?
Its delinquency ratio was 2.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Texas Health Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.26% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Austin, TX 78756
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67452
- RSSD ID
- 633798
- Members
- 4,784
- Potential members
- 1,500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.77% | 11.43% | 76th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.56% | 0.81% | 34th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.06% | 7.02% | 27th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.67% | 3.70% | 48th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 63.76% | 76.55% | 84th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.36% | 1.24% | 40th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 2.17% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.03% | 4.92% | 56th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 55.26% | 75.66% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$134.3M total assets against $135.9M; $126.0M total shares and deposits against $119.0M; $69.6M total loans against $80.5M.
$18.5M net worth against $17.7M.
13.77% net worth ratio against 13.03%.
55.26% loan-to-share ratio against 67.68%.
2.17% delinquency ratio against 1.92%.
0.56% return on assets against 1.05%; 4.06% return on equity against 8.07%.
3.67% net interest margin against 3.83%.
4,784 members against 4,901.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.77% | 0.56% | 2.17% | 55.26% |
| March 31, 2026 | 12.75% | 0.70% | 2.29% | 57.44% |
| December 31, 2025 | 12.51% | 0.38% | 2.25% | 59.65% |
| September 30, 2025 | 12.87% | 0.64% | 2.01% | 64.53% |
| June 30, 2025 | 13.03% | 1.05% | 1.92% | 67.68% |
| March 31, 2025 | 13.01% | 1.45% | 1.55% | 70.69% |
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.