Credit Union Safety Analysis
Is Texell Credit Union Safe? Temple, Texas
Based on its Q2 2026 NCUA 5300 call report, Texell Credit Union has a net worth ratio of 10.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, 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, Texell Credit Union's net worth ratio is 10.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.48%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 1.25%
- Loan-to-share ratio (Q2 2026): 89.55%
Texell Credit Union (NCUA charter 68608, established 1948) reported $801.0M in assets and 53,988 members for Q2 2026 from Temple, Texas. It ranks 48 of 377 credit unions in Texas by total assets. Total assets grew 4.6% from $765.9M on June 30, 2025. It has 423 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.74 percentage points from 9.74% on June 30, 2025. Used vehicle loans are its largest loan category, $191.1M of $626.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.37% for Q1 2026; 9.74% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.51% for Q1 2026; 0.61% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.40% for Q1 2026; 1.32% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.12% for Q1 2026; 89.13% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $191.1M
- 1- to 4-family residential and other consumer real estate loans: $167.5M
- Commercial loans: $114.0M
- Unsecured credit card loans: $49.3M
- New vehicle loans: $47.5M
- Other unsecured loans and lines of credit: $29.2M
- Other secured non-real estate loans and lines of credit: $28.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $801.0M | 10.48% | 0.60% | 1.25% | 89.55% |
| March 31, 2026 | $790.7M | 10.37% | 0.51% | 1.40% | 89.12% |
| December 31, 2025 | $773.5M | 10.24% | 0.47% | 0.76% | 91.17% |
| September 30, 2025 | $771.2M | 10.08% | 0.47% | 1.64% | 88.25% |
| June 30, 2025 | $765.9M | 9.74% | 0.61% | 1.32% | 89.13% |
| March 31, 2025 | $768.8M | 9.44% | 0.49% | 0.45% | 87.10% |
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Free to use. It shows Texell Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 68608) · FFIEC NIC profile (RSSD 360272)
Frequently asked questions
Is Texell Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Texell Credit Union's net worth ratio is 10.48%, above the 7% NCUA threshold for well capitalized.
Is Texell Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Texell Credit Union is a federally insured credit union (NCUA charter 68608): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Texell Credit Union's key safety ratios?
For Q2 2026, Texell Credit Union reports net worth 10.48%, delinquency 0.60%, ROA 1.25%, loan-to-share 89.55%.
What happens to my money if Texell Credit Union fails?
For Q2 2026, Texell Credit Union held $700.0M in shares and deposits for 53,988 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.