Credit Union Safety Analysis
Is Union Pacific Employees Credit Union Safe? Beaumont, Texas
Based on its Q2 2026 NCUA 5300 call report, Union Pacific Employees Credit Union has a net worth ratio of 23.66%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.02%, 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, Union Pacific Employees Credit Union's net worth ratio is 23.66%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.66%
- Delinquency ratio (60+ days) (Q2 2026): 2.02%
- Return on assets (Q2 2026): 0.07%
- Loan-to-share ratio (Q2 2026): 86.60%
Union Pacific Employees Credit Union (NCUA charter 67417) reported $3.8M in assets and 625 members for Q2 2026 from Beaumont, Texas. It ranks 350 of 377 credit unions in Texas by total assets. Total assets fell 1.7% from $3.9M on June 30, 2025. It has 23 fewer members than on June 30, 2025 (-3.5%). Its net worth ratio was up 0.14 percentage points from 23.52% on June 30, 2025. Used vehicle loans are its largest loan category, $1.0M of $2.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.02% 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: 23.46% for Q1 2026; 23.52% 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: 1.33% for Q1 2026; 1.48% 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: -0.93% for Q1 2026; 0.33% 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: 82.86% for Q1 2026; 83.93% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.0M
- Other secured non-real estate loans and lines of credit: $579K
- New vehicle loans: $498K
- Other unsecured loans and lines of credit: $441K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.8M | 23.66% | 2.02% | 0.07% | 86.60% |
| March 31, 2026 | $3.9M | 23.46% | 1.33% | -0.93% | 82.86% |
| December 31, 2025 | $3.8M | 24.29% | 1.44% | 0.40% | 84.32% |
| September 30, 2025 | $3.7M | 24.77% | 1.87% | -0.08% | 89.48% |
| June 30, 2025 | $3.9M | 23.52% | 1.48% | 0.33% | 83.93% |
| March 31, 2025 | $3.8M | 24.00% | 1.51% | -0.62% | 87.11% |
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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.
Union Pacific Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67417) · FFIEC NIC profile (RSSD 528492)
Frequently asked questions
Is Union Pacific Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Union Pacific Employees Credit Union's net worth ratio is 23.66%, above the 7% NCUA threshold for well capitalized.
Is Union Pacific Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Union Pacific Employees Credit Union is a federally insured credit union (NCUA charter 67417): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Union Pacific Employees Credit Union's key safety ratios?
For Q2 2026, Union Pacific Employees Credit Union reports net worth 23.66%, delinquency 2.02%, ROA 0.07%, loan-to-share 86.60%.
What happens to my money if Union Pacific Employees Credit Union fails?
For Q2 2026, Union Pacific Employees Credit Union held $2.9M in shares and deposits for 625 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.