State credit union · Alpine, Texas · NCUA charter #68010
Alpine Community
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $14.3M
- Total assets
- 1,959
- Members
- 16.1%
- Net-worth ratio
Alpine Community scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.3M; members 1,959; net-worth ratio 16.05%; health rank #2,943 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,943 of 4,374 health · 2025Q4Alpine Community · health 78/100 · $14.3M · 2025Q4
- DELQ 78/100
- ROA 16.1%
- ASSETS 1.02%
- MEM 1.33%
- RANK $14.3M
- PHOTO 1,959
- BOOK #2,943/4,374
- CHARTER Memphis Municipal Employees
- NCUSIF 68010
Call Report peers
Alpine Community in the assets neighbourhood
Alpine Community's $14.3M assets sit next to Memphis Municipal Employees ($14.4M) 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.
Alpine Community 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
Alpine Community - Share Insurance Coverage
Charter #68010'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.
Peer-gap read for Alpine Community
- Net Worth Ratio leads the peer set - 16.05% here, 14.86% peer average (+1.19 pp).
- Largest lag: Loan-to-Share Ratio at 30.58% vs peer 59.80% (-29.22 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alpine Community in Texas
- Texas health ordinal: #261 of 386.
- Texas assets place: #280 of 386.
- Texas membership ordinal: #254 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.
Alpine Community Call Report trajectory
Alpine Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $14.3M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.33 pp (16.38% → 16.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (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 19.9 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 8.5 pts
Call Report ratios for Alpine Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.05% | +1.19 pp |
| Delinquency Rate | 1.02% | -0.13 pp |
| Return on Assets | 1.33% | +0.62 pp |
| Member Growth | -2.44% | - |
| Loan-to-Share Ratio | 30.58% | -29.22 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 2025Q4 | $14.3M | 1,959 |
| 2024Q4 | $14.2M | 2,008 |
| 2023Q4 | $15.6M | 2,024 |
Credit Union Details
- Charter Number
- 68010
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Alpine
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Alpine Community.
| Office | City |
|---|---|
| ACCU (Main Office) | Alpine, 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.
Other-state peers near Alpine Community
Alpine Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Alpine Community ranks #2,943 of 4,374 nationally on financial health and #261 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Laredo Fire Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Laredo Fire Department
- 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 Alpine Community financially healthy?
Alpine Community has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,943 of 4,374; by total assets it ranks #3,349 of 4,374 nationally (same basis as /rankings/largest); and #280 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.05% and delinquency rate of 1.02%.
How does Alpine Community compare to other credit unions?
Alpine Community scores 78/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Alpine Community?
Membership eligibility for Alpine Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alpine Community directly for current membership requirements and application steps.
Is my money safe at Alpine Community?
Federal credit unions like Alpine Community 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. Alpine Community's net worth ratio of 16.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alpine Community offer compared to banks?
Credit unions like Alpine Community 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 Alpine Community 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.