Credit Union Safety Analysis
Is US Employees Credit Union Safe? Tomball, Texas
Based on its Q2 2026 NCUA 5300 call report, US Employees Credit Union has a net worth ratio of 10.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, 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, US Employees Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 0.75%
- Loan-to-share ratio (Q2 2026): 48.64%
US Employees Credit Union (NCUA charter 66372) reported $86.4M in assets and 7,374 members for Q2 2026 from Tomball, Texas. It ranks 155 of 377 credit unions in Texas by total assets. Total assets fell 0.2% from $86.6M on June 30, 2025. It has 992 fewer members than on June 30, 2025 (-11.9%). Its net worth ratio was up 0.79 percentage points from 9.59% on June 30, 2025. Used vehicle loans are its largest loan category, $17.5M of $37.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below 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: 10.25% for Q1 2026; 9.59% 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: 0.33% for Q1 2026; 0.53% 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: 0.69% for Q1 2026; 0.64% 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: 49.46% for Q1 2026; 45.53% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $17.5M
- New vehicle loans: $11.2M
- 1- to 4-family residential and other consumer real estate loans: $5.1M
- Unsecured credit card loans: $1.6M
- Other unsecured loans and lines of credit: $1.4M
- Other secured non-real estate loans and lines of credit: $670K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $86.4M | 10.38% | 0.20% | 0.75% | 48.64% |
| March 31, 2026 | $85.9M | 10.25% | 0.33% | 0.69% | 49.46% |
| December 31, 2025 | $86.6M | 9.99% | 0.39% | 0.85% | 47.09% |
| September 30, 2025 | $87.3M | 9.75% | 0.35% | 0.87% | 45.02% |
| June 30, 2025 | $86.6M | 9.59% | 0.53% | 0.64% | 45.53% |
| March 31, 2025 | $87.2M | 9.36% | 0.88% | 0.55% | 46.47% |
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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.
US Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 66372) · FFIEC NIC profile (RSSD 1003790)
Frequently asked questions
Is US Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, US Employees Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
Is US Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. US Employees Credit Union is a federally insured credit union (NCUA charter 66372): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are US Employees Credit Union's key safety ratios?
For Q2 2026, US Employees Credit Union reports net worth 10.38%, delinquency 0.20%, ROA 0.75%, loan-to-share 48.64%.
What happens to my money if US Employees Credit Union fails?
For Q2 2026, US Employees Credit Union held $77.0M in shares and deposits for 7,374 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.