Texas Trust Credit Union Mansfield, Texas
Texas Trust Credit Union is a state-chartered credit union headquartered in Mansfield, TX, established in 1936 (NCUA charter 68434), and it is regulated and insured by the NCUA. At Q2 2026 it reported 136,360 members and total assets of $2.11B (up 4.2% from Q2 2025), the 17th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.55% at Q2 2026, in the well capitalized band.
Also written as Texas Trust CU
BankRegReports is independent of Texas Trust 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
- 68434
- Headquarters
- Mansfield, TX
- Established
- 1936
- Total assets, Q2 2026
- $2.11B
- Assets vs Q2 2025
- +4.2%
- Members, Q2 2026
- 136,360
- Net worth ratio, Q2 2026
- 10.55%
- Latest call report
- Q2 2026, NCUA 5300 · Texas Trust Credit Union call report
- Asset rank in state
- 17th of 377 in Texas
- Routing number
- 311979875
- Branches
- 22
It has 1,485 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.22 percentage points from 10.33% on June 30, 2025. Its 60-day delinquency ratio of 0.94% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.55% net worth ratio is below that band's 10.89% median.
Credit unions merged into Texas Trust Credit Union
MY Credit Union (2026) · Family 1st of Texas Federal Credit Union (2025) · Texas Federal Credit Union (2022) · Qualtrust Credit Union (2017) · Trustus Federal Credit Union (2016) · Security One Federal Credit Union (2013)
Frequently asked about Texas Trust Credit Union
How big is Texas Trust Credit Union?
At Q2 2026 it reported total assets of $2.11B and 136,360 members.
Where is Texas Trust Credit Union headquartered?
It is headquartered in Mansfield, TX, United States.
When was Texas Trust Credit Union founded?
It was established in 1936, per NCUA records.
Is Texas Trust Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68434): 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 Trust 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 Trust Credit Union well capitalized?
Its net worth ratio was 10.55% 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 Trust Credit Union's delinquency ratio?
Its delinquency ratio was 0.94% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Texas Trust Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mansfield, TX 76063
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 68434
- RSSD ID
- 482277
- Members
- 136,360
- Potential members
- 3,716,444
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 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 12.63% | 10.55% | 10.89% | 42nd below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.62% | 0.89% | 27th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.88% | 8.07% | 30th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.01% | 3.45% | 24th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.08% | 70.59% | 44th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.71% | 1.68% | 48th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.94% | 0.68% | 32nd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.72% | 5.12% | 26th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 91.13% | 88.03% | 61st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.11B total assets against $2.03B; $1.70B total shares and deposits against $1.64B; $1.55B total loans against $1.50B.
$222.9M net worth against $209.6M.
10.55% net worth ratio against 10.33%.
91.13% loan-to-share ratio against 91.25%.
0.94% delinquency ratio against 1.02%.
0.62% return on assets against 0.58%; 5.88% return on equity against 5.64%.
3.01% net interest margin against 2.63%.
136,360 members against 134,875.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.55% | 0.62% | 0.94% | 91.13% |
| March 31, 2026 | 10.62% | 0.59% | 0.92% | 90.00% |
| December 31, 2025 | 10.47% | 1.14% | 1.11% | 89.90% |
| September 30, 2025 | 10.37% | 0.58% | 1.05% | 90.18% |
| June 30, 2025 | 10.33% | 0.58% | 1.02% | 91.25% |
| March 31, 2025 | 10.17% | 0.16% | 0.92% | 89.56% |
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.