TellerScore

Soarion Federal Credit Union is a federal credit union headquartered in San Antonio, Texas, in business for about 74 years. At the end of Q2 2026 it reported $555.6M in total assets and $487.8M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Soarion Federal Credit Union scores 55/100, which we describe as moderate. That is higher than only 12% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 331st. Its strongest component is problem-loan coverage (75/100; 12.5%), and its lowest is capital cushion (18/100; 6.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion18/100
Net worth ratio: 6.79%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.01%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity73/100
Loans ÷ shares: 87.5% · 8.0% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.45%

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 rose 12 points (43 → 55), mostly because the earnings component improved by 36 points.

TellerScore
294356Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202438
Q3 202429
Q4 202432
Q1 202536
Q2 202543
Q3 202541
Q4 202533
Q1 202656
Q2 202655
Net worth ratio
6.06%7.15%8.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.24%
Q3 20247.05%
Q4 20246.17%
Q1 20256.14%
Q2 20256.82%
Q3 20256.16%
Q4 20256.06%
Q1 20266.49%
Q2 20266.79%
Delinquent loans (60+ days)
1.01%1.59%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.17%
Q3 20242.06%
Q4 20241.64%
Q1 20251.49%
Q2 20251.74%
Q3 20251.27%
Q4 20251.94%
Q1 20261.07%
Q2 20261.01%
Return on assets
-1.66%-0.02%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 2024-1.43%
Q4 2024-1.66%
Q1 2025-0.21%
Q2 20250.40%
Q3 20250.09%
Q4 2025-0.03%
Q1 20261.62%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$555.6M6.79%1.01%1.29%87.5%
Q1 202656$560.7M6.49%1.07%1.62%83.4%
Q4 202533$563.1M6.06%1.94%-0.03%82.4%
Q3 202541$563.7M6.16%1.27%0.09%83.2%
Q2 202543$571.1M6.82%1.74%0.40%71.7%
Q1 202536$612.3M6.14%1.49%-0.21%79.9%
Q4 202432$614.0M6.17%1.64%-1.66%82.3%
Q3 202429$631.3M7.05%2.06%-1.43%91.4%
Q2 202438$645.4M8.24%2.17%0.36%95.1%

1,341 peers · $100 million – $1 billion

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).

Capital ratio6.79%
0th
Problem loans1.01%
29th
Net charge-offs1.08%
7th
Return on assets1.29%
82nd
Loans to deposits87.5%
22nd
Uninsured deposits8.0%
30th
Loan-loss reserves0.00%
50th
Texas ratio12.5%
8th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
My Community Credit UnionCredit union Midland, TX55 out of 100, Moderate$555.3M10.3%1.24%vs
Resource One Credit UnionCredit union Dallas, TX60 out of 100, Moderate$555.2M10.4%2.33%vs
Education First Federal Credit UnionCredit union Beaumont, TX65 out of 100, Moderate$583.1M9.1%0.62%vs
Openland Credit UnionCredit union League City, TX63 out of 100, Moderate$587.9M11.1%1.09%vs
Coastlife Credit UnionCredit union Corpus Christi, TX67 out of 100, Moderate$519.7M11.7%0.89%vs
Security First Federal Credit UnionCredit union McAllen, TX68 out of 100, Moderate$516.6M11.9%1.32%vs

Deposit insurance

Is my money safe at Soarion Federal Credit Union?

Yes. Soarion Federal Credit Union is a federally insured credit union (NCUA charter #8169). 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 8.0% of shares and deposits ($38.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 6.79%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Soarion Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Soarion Federal Credit Union
Type
Federal credit union
NCUA charter #
8169
RSSD ID
463285
Primary regulator
NCUA
Established
1952
Headquarters
P.O. Box 120070, San Antonio, TX 78212
Employees
110

Quick answers

Soarion Federal Credit Union: common questions

Is Soarion Federal Credit Union NCUA insured?

Yes. Soarion Federal Credit Union is a federally insured credit union (NCUA charter #8169). 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 Soarion Federal Credit Union's TellerScore?

55 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 Soarion Federal Credit Union have?

3 offices as of the latest NCUA data.