Credit Union Safety Analysis
Is Texas Trust Credit Union Safe? Mansfield, Texas
Based on its Q2 2026 NCUA 5300 call report, Texas Trust Credit Union has a net worth ratio of 10.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.94%, 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 Trust Credit Union's net worth ratio is 10.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.94%
- Return on assets (Q2 2026): 0.62%
- Loan-to-share ratio (Q2 2026): 91.13%
Texas Trust Credit Union (NCUA charter 68434, established 1936) reported $2.11B in assets and 136,360 members for Q2 2026 from Mansfield, Texas. It ranks 17 of 377 credit unions in Texas by total assets. Total assets grew 4.2% from $2.03B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.62% for Q1 2026; 10.33% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.92% for Q1 2026; 1.02% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.59% for Q1 2026; 0.58% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 90.00% for Q1 2026; 91.25% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.11B | 10.55% | 0.94% | 0.62% | 91.13% |
| March 31, 2026 | $2.07B | 10.62% | 0.92% | 0.59% | 90.00% |
| December 31, 2025 | $2.07B | 10.47% | 1.11% | 1.14% | 89.90% |
| September 30, 2025 | $2.04B | 10.37% | 1.05% | 0.58% | 90.18% |
| June 30, 2025 | $2.03B | 10.33% | 1.02% | 0.58% | 91.25% |
| March 31, 2025 | $2.03B | 10.17% | 0.92% | 0.16% | 89.56% |
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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 Trust Credit Union profile
Regulator records: NCUA credit union profile (charter 68434) · FFIEC NIC profile (RSSD 482277)
Frequently asked questions
Is Texas Trust Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Texas Trust Credit Union's net worth ratio is 10.55%, above the 7% NCUA threshold for well capitalized.
Is Texas Trust Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Texas Trust Credit Union is a federally insured credit union (NCUA charter 68434): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Texas Trust Credit Union's key safety ratios?
For Q2 2026, Texas Trust Credit Union reports net worth 10.55%, delinquency 0.94%, ROA 0.62%, loan-to-share 91.13%.
What happens to my money if Texas Trust Credit Union fails?
For Q2 2026, Texas Trust Credit Union held $1.70B in shares and deposits for 136,360 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.