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.
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NCUA 5300 Call Report Masthead
#2,070 of 4,374 health · 2025Q4ALBA-GOLDEN · health 84/100 · $20.7M · 2025Q4
Call Report peers
ALBA-GOLDEN in the assets neighbourhood
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ALBA-GOLDEN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALBA-GOLDEN sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, SWEMP (#185) ties at 84/100; one place down, TEXAR (#187) ties at 84/100.
ALBA-GOLDEN Call Report trajectory
ALBA-GOLDEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $20.7M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted -0.68 pp (17.30% → 16.62%).
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
ALBA-GOLDEN gives up 16 points in total. Return on Assets costs the most, 7.1 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ALBA-GOLDEN financially healthy?
ALBA-GOLDEN has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,070 of 4,374 nationally on health and #186 of 386 in Texas. Its net worth ratio is 16.62% and its delinquency rate 1.06%.
How does ALBA-GOLDEN compare to other credit unions?
ALBA-GOLDEN scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.06% vs 59.80%). Its widest shortfall is return on assets (0.08% vs 0.70%).
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?
ALBA-GOLDEN 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. ALBA-GOLDEN's net worth ratio of 16.62% 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.