Federal credit union · Austin, Texas · NCUA charter #6178
A+
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $2.56B
- Total assets
- 193,317
- Members
- 13.6%
- Net-worth ratio
A+ scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.56B; members 193,317; net-worth ratio 13.60%; health rank #2,964 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,964 of 4,374 health · 2025Q4A+ · health 78/100 · $2.56B · 2025Q4
Call Report peers
A+ in the assets neighbourhood
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A+ vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); A+ sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where A+ diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +16.81 pp (100.71% vs 83.90%).
- Largest lag: Delinquency Rate at 2.37% vs peer 0.87% (+1.50 pp).
Where A+ sits in Texas
- In Texas, health place is #264 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, A+ is #14 of 386 in Texas.
- Member book place in Texas: #11 of 386.
- One place up in Texas, Midland Municipal Employees (#263) ties at 78/100; one place down, Corner Stone (#265) ties at 78/100.
How A+'s 5300 filing moved
A+: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $2.56B (2025Q4) to $2.58B (2026Q1).
- Net-worth ratio shifted +0.10 pp (13.50% → 13.60%).
This credit union's 13.60% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
A+ gives up 22 points in total. Delinquency Rate costs the most, 14.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for A+
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.60% | +2.42 pp |
| Delinquency Rate | 2.37% | +1.50 pp |
| Return on Assets | 0.85% | +0.34 pp |
| Member Growth | 2.95% | - |
| Loan-to-Share Ratio | 100.71% | +16.81 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
A+ filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.58B | - |
| 2025Q4 | $2.56B | 193,317 |
| 2024Q4 | $2.48B | 187,778 |
| 2023Q4 | $2.62B | 193,469 |
Credit Union Details
- Charter Number
- 6178
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (22)
The NCUA branch filing lists 22 physical offices for A+, spread across 11 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Austin, TX |
| South Branch | Austin, TX |
| Southwest Branch | Austin, TX |
| Bee Cave Branch | Austin, TX |
| North Branch | Austin, TX |
| Connally High School Branch | Austin, TX |
| Trails at 620 Branch | Austin, TX |
| Northwest Hills Branch | Austin, TX |
| Akins High School | Austin, TX |
| Bastrop Branch | Bastrop, TX |
| Buda Branch | Buda, TX |
| Cedar Park Branch | Cedar Park, TX |
| Georgetown Branch | Georgetown, TX |
| Harker Heights | Harker Heights, TX |
| Hutto Branch | Hutto, TX |
| Leander Branch | Leander, TX |
| Pflugerville Branch | Pflugerville, TX |
| Hendrickson High School Branch | Pflugerville, TX |
| Round Rock Branch | Round Rock, TX |
| Round Rock High School Branch | Round Rock, TX |
| San Marcos Branch | San Marcos, TX |
| San Marcos High School Branch | San Marcos, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near A+
Using this data
- A+ ranks #2,964 of 4,374 nationally on financial health and #264 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Austin Telco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Austin Telco
Frequently Asked Questions
Is A+ financially healthy?
A+ has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,964 of 4,374 nationally on health and #264 of 386 in Texas. Its net worth ratio is 13.60% and its delinquency rate 2.37%.
How does A+ compare to other credit unions?
A+ scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (100.71% vs 83.90%). Its widest shortfall is delinquency rate (2.37% vs 0.87%).
How can I join A+?
A+ operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact A+ directly for the exact boundaries and application steps.
Is my money safe at A+?
A+ is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. A+'s net worth ratio of 13.60% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.