Credit Union Safety Analysis
Is Worth Credit Union Safe? Bedford, Texas
Based on its Q2 2026 NCUA 5300 call report, Worth Credit Union has a net worth ratio of 10.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.62%, 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, Worth Credit Union's net worth ratio is 10.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.81%
- Delinquency ratio (60+ days) (Q2 2026): 0.62%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 55.17%
Worth Credit Union (NCUA charter 68471, established 1940) reported $1.28B in assets and 68,768 members for Q2 2026 from Bedford, Texas. It ranks 27 of 377 credit unions in Texas by total assets. Total assets grew 0.6% from $1.27B on June 30, 2025. It has 6,421 fewer members than on June 30, 2025 (-8.5%). Its net worth ratio was up 0.57 percentage points from 10.24% on June 30, 2025. New vehicle loans are its largest loan category, $266.6M of $624.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.62% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.55% for Q1 2026; 10.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.63% for Q1 2026; 0.67% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.56% for Q1 2026; 0.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 52.96% for Q1 2026; 56.61% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $266.6M
- 1- to 4-family residential and other consumer real estate loans: $206.5M
- Used vehicle loans: $65.4M
- Other unsecured loans and lines of credit: $42.6M
- Unsecured credit card loans: $34.3M
- Other secured non-real estate loans and lines of credit: $8.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.28B | 10.81% | 0.62% | 0.54% | 55.17% |
| March 31, 2026 | $1.30B | 10.55% | 0.63% | 0.56% | 52.96% |
| December 31, 2025 | $1.29B | 10.49% | 0.64% | 0.78% | 54.04% |
| September 30, 2025 | $1.28B | 10.38% | 0.80% | 0.69% | 54.92% |
| June 30, 2025 | $1.27B | 10.24% | 0.67% | 0.76% | 56.61% |
| March 31, 2025 | $1.26B | 10.17% | 0.59% | 1.00% | 57.63% |
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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.
Regulator records: NCUA credit union profile (charter 68471) · FFIEC NIC profile (RSSD 325271)
Frequently asked questions
Is Worth Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Worth Credit Union's net worth ratio is 10.81%, above the 7% NCUA threshold for well capitalized.
Is Worth Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Worth Credit Union is a federally insured credit union (NCUA charter 68471): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Worth Credit Union's key safety ratios?
For Q2 2026, Worth Credit Union reports net worth 10.81%, delinquency 0.62%, ROA 0.54%, loan-to-share 55.17%.
What happens to my money if Worth Credit Union fails?
For Q2 2026, Worth Credit Union held $1.13B in shares and deposits for 68,768 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.