Nspire Federal Credit Union (NCUA charter #11721) is based in Sinton, Texas. Its Q2 2026 call report shows $29.0M in total assets and $24.9M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Nspire Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 251st. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is earnings (0/100; -0.66%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (70 → 66), mostly because the earnings component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 75 |
| Q4 2024 | 71 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 64 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.69% |
| Q3 2024 | 13.58% |
| Q4 2024 | 13.53% |
| Q1 2025 | 13.24% |
| Q2 2025 | 13.66% |
| Q3 2025 | 13.69% |
| Q4 2025 | 13.52% |
| Q1 2026 | 13.05% |
| Q2 2026 | 13.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.49% |
| Q4 2025 | 1.15% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.65% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.17% |
| Q1 2025 | -0.10% |
| Q2 2025 | 0.12% |
| Q3 2025 | -0.03% |
| Q4 2025 | -0.04% |
| Q1 2026 | -0.90% |
| Q2 2026 | -0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $29.0M | 13.49% | 0.65% | -0.66% | 81.4% |
| Q1 2026 | 64 | $30.2M | 13.05% | 0.76% | -0.90% | 79.8% |
| Q4 2025 | 64 | $29.6M | 13.52% | 1.15% | -0.04% | 87.6% |
| Q3 2025 | 69 | $28.9M | 13.69% | 0.49% | -0.03% | 98.5% |
| Q2 2025 | 70 | $29.1M | 13.66% | 0.48% | 0.12% | 104.4% |
| Q1 2025 | 69 | $29.9M | 13.24% | 0.26% | -0.10% | 101.5% |
| Q4 2024 | 71 | $29.3M | 13.53% | 0.50% | 0.17% | 96.0% |
| Q3 2024 | 75 | $29.7M | 13.58% | 0.20% | 0.34% | 94.4% |
| Q2 2024 | 79 | $29.3M | 13.69% | 0.03% | 0.40% | 88.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| U. S. I. Federal Credit UnionCredit union Deer Park, TX | 67 out of 100, Moderate | $29.4M | 18.0% | 1.31% | vs |
| Gulf Shore Federal Credit UnionCredit union Texas City, TX | 63 out of 100, Moderate | $28.5M | 13.4% | 2.21% | vs |
| Tyler City Employees Credit UnionCredit union Tyler, TX | 73 out of 100, Strong | $28.4M | 16.0% | 1.04% | vs |
| Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX | 93 out of 100, Very strong | $29.6M | 15.7% | 0.08% | vs |
| United Credit UnionCredit union Tyler, TX | 58 out of 100, Moderate | $29.6M | 7.1% | 0.64% | vs |
| Rocket Federal Credit UnionCredit union McGregor, TX | 40 out of 100, Below average | $28.3M | 9.9% | 2.40% | vs |
Deposit insurance
Is my money safe at Nspire Federal Credit Union?
Yes. Nspire Federal Credit Union is a federally insured credit union (NCUA charter #11721). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.1% of shares and deposits ($532K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Nspire Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Portland, TX (1)
- Sinton, TX (1)
Identity & history
Profile
- Legal name
- Nspire Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11721
- RSSD ID
- 818689
- Primary regulator
- NCUA
- Established
- 1957
- Headquarters
- 501 W. Merriman, Sinton, TX 78387
- Employees
- 7
Quick answers
Nspire Federal Credit Union: common questions
Is Nspire Federal Credit Union NCUA insured?
Yes. Nspire Federal Credit Union is a federally insured credit union (NCUA charter #11721). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Nspire Federal Credit Union's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Nspire Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| First State Bank of OdemBank Odem, TX | 95 out of 100, Very strong | $212.6M | 14.4% | 0.00% | vs |
| Members First Credit UnionCredit union Corpus Christi, TX | 87 out of 100, Very strong | $183.2M | 24.0% | 1.04% | vs |
| Refugio County Federal Credit UnionCredit union Refugio, TX | 87 out of 100, Very strong | $14.2M | 16.4% | 0.42% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| Nce Credit UnionCredit union Corpus Christi, TX | 85 out of 100, Very strong | $5.9M | 20.8% | 0.00% | vs |