State credit union · San Antonio, Texas · NCUA charter #61267
Alamo City
Health score 36/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 36
- Health / 100
- $9.7M
- Total assets
- 1,044
- Members
- 4.4%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)37
- Asset quality (delinquency)41
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 36/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.44% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.44% | 30% |
| Delinquency Rate | 2.37% | 25% |
| Return on Assets | -3.19% | 15% |
| Member Growth | -14.98% | 15% |
| Loan-to-Share Ratio | 78.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Alamo City
Alamo City is a state credit union headquartered in San Antonio, Texas, serving 1,044 members with $9.7M in total assets and $7.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 36/100 (Weak), anchored by a net worth ratio of 4.44% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61267 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 78.16% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 2.37% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at -3.19% on net income of $-310635 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -14.98%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Alamo City financially healthy?
A 4.44% net worth ratio and a 2.37% delinquency rate feed into Alamo City's financial health score of 36/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. 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 36/100, 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 4.44% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.