State credit union · San Antonio, Texas · NCUA charter #61267
Alamo City
Health score 37/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 37
- Health / 100
- $9.7M
- Total assets
- 1,044
- Members
- 4.6%
- Net-worth ratio
Alamo City scores 37/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.7M; members 1,044; net-worth ratio 4.61%; health rank #4,353 of 4,374; healthier than 0th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,353 of 4,374 health · 2025Q4Alamo City · health 37/100 · $9.7M · 2025Q4
- PHOTO 37/100
- BOOK 4.6%
- CHARTER 2.37%
- NCUSIF -3.19%
- CAMELS $9.7M
- HEALTH 1,044
- NW #4,353/4,374
- DELQ n/a
- ROA 61267
Call Report peers
Alamo City carries $9.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alamo City 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
37 0th percentile in the bottom 1% 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
Alamo City - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61267 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Alamo City: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +14.56 pp (78.16% vs 63.60%).
- Largest lag: Net Worth Ratio at 4.61% vs peer 19.06% (-14.45 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alamo City: in-state Call Report ranks
- Texas health ordinal: #386 of 386.
- By total assets, Alamo City is #309 of 386 in Texas.
- Membership ranks #316 of 386 among Texas CUs with a reported count (1,044 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Alamo City Call Report trajectory
Alamo City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.7% from $9.7M (2025Q4) to $9.4M (2026Q1).
- Net-worth ratio shifted +0.17 pp (4.44% → 4.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
4.61% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 37/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 37.
- Net Worth Ratio 11.5 pts
- Delinquency Rate 10.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Alamo City
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.61% | -14.45 pp |
| Delinquency Rate | 2.37% | +0.56 pp |
| Return on Assets | -3.19% | -3.64 pp |
| Member Growth | -14.98% | - |
| Loan-to-Share Ratio | 78.16% | +14.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Alamo City filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.4M | - |
| 2025Q4 | $9.7M | 1,044 |
| 2024Q4 | $10.8M | 1,228 |
| 2023Q4 | $11.6M | 1,329 |
Credit Union Details
- Charter Number
- 61267
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Location
Alamo City operates a single office in San Antonio, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | San Antonio, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Alamo City nationwide neighbourhoods
Cross-state asset and health neighbours for Alamo City - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (37/100 here).
Using this data
- Alamo City ranks #4,353 of 4,374 nationally on financial health and #386 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Neiman Marcus Group Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Neiman Marcus Group Employees
- 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 Alamo City financially healthy?
A 4.61% net worth ratio and a 2.37% delinquency rate feed into Alamo City's financial health score of 37/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,353 of 4,374; by total assets it ranks #3,578 of 4,374 nationally (same basis as /rankings/largest); and #309 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Alamo City compare to other credit unions?
On PlainCU's health composite, Alamo City lands at 37/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Alamo City?
Membership eligibility for Alamo City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alamo City directly for current membership requirements and application steps.
Is my money safe at Alamo City?
Federal credit unions like Alamo City 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. Alamo City's net worth ratio of 4.61% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Alamo City offer compared to banks?
Credit unions like Alamo City 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 Alamo City 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.