Credit Union Safety Analysis
Is Texoma Community Credit Union Safe? Wichita Falls, Texas
Based on its Q2 2026 NCUA 5300 call report, Texoma Community Credit Union has a net worth ratio of 11.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Texoma Community Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Texoma Community Credit Union's net worth ratio is 11.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.22%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.80%
- Loan-to-share ratio (Q2 2026): 96.38%
Texoma Community Credit Union (NCUA charter 61527, established 1953) reported $325.5M in assets and 27,877 members for Q2 2026 from Wichita Falls, Texas. It ranks 81 of 377 credit unions in Texas by total assets. Total assets grew 11.1% from $293.0M on June 30, 2025. It has 2,187 more members than on June 30, 2025 (+8.5%). Its net worth ratio was down 0.54 percentage points from 11.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $98.5M of $268.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above 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: 11.42% for Q1 2026; 11.76% 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: 0.57% for Q1 2026; 0.64% 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: 0.11% for Q1 2026; 1.13% 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: 98.28% for Q1 2026; 96.75% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $98.5M
- Used vehicle loans: $48.7M
- New vehicle loans: $48.1M
- Commercial loans: $44.1M
- Other unsecured loans and lines of credit: $17.4M
- Other secured non-real estate loans and lines of credit: $11.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $325.5M | 11.22% | 0.70% | 0.80% | 96.38% |
| March 31, 2026 | $314.5M | 11.42% | 0.57% | 0.11% | 98.28% |
| December 31, 2025 | $307.6M | 11.67% | 0.67% | 0.98% | 98.65% |
| September 30, 2025 | $297.4M | 11.80% | 0.51% | 0.87% | 98.59% |
| June 30, 2025 | $293.0M | 11.76% | 0.64% | 1.13% | 96.75% |
| March 31, 2025 | $285.3M | 11.79% | 0.68% | 1.53% | 95.94% |
Add this badge to your website
Free to use. It shows Texoma Community 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.
Texoma Community Credit Union profile
Regulator records: NCUA credit union profile (charter 61527) · FFIEC NIC profile (RSSD 908290)
Frequently asked questions
Is Texoma Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Texoma Community Credit Union's net worth ratio is 11.22%, above the 7% NCUA threshold for well capitalized.
Is Texoma Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Texoma Community Credit Union is a federally insured credit union (NCUA charter 61527): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Texoma Community Credit Union's key safety ratios?
For Q2 2026, Texoma Community Credit Union reports net worth 11.22%, delinquency 0.70%, ROA 0.80%, loan-to-share 96.38%.
What happens to my money if Texoma Community Credit Union fails?
For Q2 2026, Texoma Community Credit Union held $278.7M in shares and deposits for 27,877 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.