Credit Union Safety Analysis
Is Waco Federal Credit Union Safe? Waco, Texas
Based on its Q2 2026 NCUA 5300 call report, Waco Federal Credit Union has a net worth ratio of 10.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.43%, 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, Waco Federal Credit Union's net worth ratio is 10.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.19%
- Delinquency ratio (60+ days) (Q2 2026): 1.43%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 46.09%
Waco Federal Credit Union (NCUA charter 6368, established 1949) reported $20.3M in assets and 1,930 members for Q2 2026 from Waco, Texas. It ranks 249 of 377 credit unions in Texas by total assets. Total assets grew 4.8% from $19.4M on June 30, 2025. It has 15 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.49 percentage points from 9.70% on June 30, 2025. New vehicle loans are its largest loan category, $3.7M of $8.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.43% 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: 10.01% for Q1 2026; 9.70% 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: 1.07% for Q1 2026; 1.07% 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: 0.98% for Q1 2026; 1.37% 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: 47.89% for Q1 2026; 46.86% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.7M
- Used vehicle loans: $2.9M
- Other secured non-real estate loans and lines of credit: $1.1M
- Other unsecured loans and lines of credit: $506K
- Unsecured credit card loans: $173K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $20.3M | 10.19% | 1.43% | 0.88% | 46.09% |
| March 31, 2026 | $20.2M | 10.01% | 1.07% | 0.98% | 47.89% |
| December 31, 2025 | $19.7M | 10.01% | 0.93% | 1.16% | 49.38% |
| September 30, 2025 | $19.6M | 9.76% | 0.78% | 0.77% | 49.59% |
| June 30, 2025 | $19.4M | 9.70% | 1.07% | 1.37% | 46.86% |
| March 31, 2025 | $19.4M | 9.32% | 0.10% | 1.23% | 46.94% |
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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.
Waco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6368) · FFIEC NIC profile (RSSD 850081)
Frequently asked questions
Is Waco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Waco Federal Credit Union's net worth ratio is 10.19%, above the 7% NCUA threshold for well capitalized.
Is Waco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Waco Federal Credit Union is a federally insured credit union (NCUA charter 6368): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Waco Federal Credit Union's key safety ratios?
For Q2 2026, Waco Federal Credit Union reports net worth 10.19%, delinquency 1.43%, ROA 0.88%, loan-to-share 46.09%.
What happens to my money if Waco Federal Credit Union fails?
For Q2 2026, Waco Federal Credit Union held $18.1M in shares and deposits for 1,930 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.