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
- CAMELS 78/100
- HEALTH 13.6%
- NW 2.37%
- DELQ 0.85%
- ROA $2.56B
- ASSETS 193,317
- MEM #2,964/4,374
- RANK Andrews Federal Credit Union
- PHOTO 6178
Call Report peers
A+ in the assets neighbourhood
A+'s $2.56B assets sit next to Andrews Federal Credit Union ($2.57B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
A+ vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
A+ - Share Insurance Coverage
Charter #6178's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How A+'s 5300 filing moved
A+: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $2.56B (2025Q4) to $2.58B (2026Q1).
- Net-worth ratio shifted +0.10 pp (13.50% → 13.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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+
Two NCUA Call Report peer sets for A+, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.56B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is A+ financially healthy?
A+ scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,964 of 4,374; by total assets it ranks #204 of 4,374 nationally (same basis as /rankings/largest); and #14 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.60% net worth ratio and a 2.37% delinquency rate.
How does A+ compare to other credit unions?
78/100 is A+'s score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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+?
Federal credit unions like A+ are 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."
What rates does A+ offer compared to banks?
Credit unions like A+ are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact A+ directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.