Federal credit union · Alba, Texas · NCUA charter #13655
ALBA-GOLDEN
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $20.7M
- Total assets
- 1,543
- Members
- 16.6%
- Net-worth ratio
ALBA-GOLDEN scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.7M; members 1,543; net-worth ratio 16.62%; health rank #2,070 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,070 of 4,374 health · 2025Q4ALBA-GOLDEN · health 84/100 · $20.7M · 2025Q4
- ASSETS 84/100
- MEM 16.6%
- RANK 1.06%
- PHOTO 0.08%
- BOOK $20.7M
- CHARTER 1,543
- NCUSIF #2,070/4,374
- CAMELS L'oreal USA
- HEALTH 13655
Call Report peers
ALBA-GOLDEN in the assets neighbourhood
ALBA-GOLDEN's $20.7M assets sit next to L'oreal USA ($20.8M) 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.
ALBA-GOLDEN 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
84 Top 50% higher than 50% 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
ALBA-GOLDEN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13655, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for ALBA-GOLDEN
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +24.26 pp (84.06% vs 59.80%).
- Return on Assets trails the peer set - 0.08% here, 0.70% peer average (-0.63 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for ALBA-GOLDEN
- Health composite ranks #186 of 386 among scored Texas credit unions.
- By total assets, ALBA-GOLDEN is #254 of 386 in Texas.
- Texas membership ordinal: #278 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.
ALBA-GOLDEN Call Report trajectory
ALBA-GOLDEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.4% from $20.7M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted -0.68 pp (17.30% → 16.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 7.9 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.9 pts
ALBA-GOLDEN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.62% | +1.76 pp |
| Delinquency Rate | 1.06% | -0.09 pp |
| Return on Assets | 0.08% | -0.63 pp |
| Member Growth | 2.19% | - |
| Loan-to-Share Ratio | 84.06% | +24.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
ALBA-GOLDEN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.9M | - |
| 2025Q4 | $20.7M | 1,543 |
| 2024Q4 | $18.4M | 1,510 |
| 2023Q4 | $18.7M | 1,473 |
Credit Union Details
- Charter Number
- 13655
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Alba
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ALBA-GOLDEN.
| Office | City |
|---|---|
| Alba-Golden FCU (Main Office) | Alba, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near ALBA-GOLDEN
ALBA-GOLDEN's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- ALBA-GOLDEN ranks #2,070 of 4,374 nationally on financial health and #186 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LCRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LCRA
- 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 ALBA-GOLDEN financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - ALBA-GOLDEN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,070 of 4,374; by total assets it ranks #3,126 of 4,374 nationally (same basis as /rankings/largest); and #254 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.62% net worth ratio and 1.06% delinquency rate are the key drivers.
How does ALBA-GOLDEN compare to other credit unions?
PlainCU's health composite puts ALBA-GOLDEN at 84/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 ALBA-GOLDEN?
ALBA-GOLDEN 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 ALBA-GOLDEN directly for the exact boundaries and application steps.
Is my money safe at ALBA-GOLDEN?
Federal credit unions like ALBA-GOLDEN 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. ALBA-GOLDEN's net worth ratio of 16.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALBA-GOLDEN offer compared to banks?
Credit unions like ALBA-GOLDEN 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 ALBA-GOLDEN 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.