Credit Union Safety Analysis
Is U S I Federal Credit Union Safe? La Porte, Texas
Based on its Q2 2026 NCUA 5300 call report, U S I Federal Credit Union has a net worth ratio of 18.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.31%, 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, U S I Federal Credit Union's net worth ratio is 18.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.01%
- Delinquency ratio (60+ days) (Q2 2026): 1.31%
- Return on assets (Q2 2026): 0.63%
- Loan-to-share ratio (Q2 2026): 99.63%
U S I Federal Credit Union (NCUA charter 13132, established 1959) reported $29.4M in assets and 2,132 members for Q2 2026 from La Porte, Texas. It ranks 224 of 377 credit unions in Texas by total assets. Total assets grew 30.6% from $22.6M on June 30, 2025. It has 99 more members than on June 30, 2025 (+4.9%). Its net worth ratio was down 6.54 percentage points from 24.55% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.4M of $24.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.31% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.98% for Q1 2026; 24.55% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.70% for Q1 2026; 5.60% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.24% for Q1 2026; 0.39% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 114.86% for Q1 2026; 124.68% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $9.4M
- Used vehicle loans: $4.6M
- Other secured non-real estate loans and lines of credit: $3.7M
- New vehicle loans: $2.9M
- Other unsecured loans and lines of credit: $2.3M
- Unsecured credit card loans: $995K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $29.4M | 18.01% | 1.31% | 0.63% | 99.63% |
| March 31, 2026 | $26.3M | 19.98% | 2.70% | 0.24% | 114.86% |
| December 31, 2025 | $25.5M | 22.24% | 3.41% | 1.19% | 104.79% |
| September 30, 2025 | $26.7M | 21.04% | 2.00% | 1.09% | 92.28% |
| June 30, 2025 | $22.6M | 24.55% | 5.60% | 0.39% | 124.68% |
| March 31, 2025 | $23.5M | 24.72% | 5.68% | 0.62% | 116.19% |
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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.
U S I Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13132) · FFIEC NIC profile (RSSD 758187)
Frequently asked questions
Is U S I Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, U S I Federal Credit Union's net worth ratio is 18.01%, above the 7% NCUA threshold for well capitalized.
Is U S I Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. U S I Federal Credit Union is a federally insured credit union (NCUA charter 13132): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are U S I Federal Credit Union's key safety ratios?
For Q2 2026, U S I Federal Credit Union reports net worth 18.01%, delinquency 1.31%, ROA 0.63%, loan-to-share 99.63%.
What happens to my money if U S I Federal Credit Union fails?
For Q2 2026, U S I Federal Credit Union held $24.1M in shares and deposits for 2,132 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.