Federal credit union · Texas City, Texas · NCUA charter #2441
Amoco
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.47B
- Total assets
- 98,055
- Members
- 7.8%
- Net-worth ratio
Amoco - Share Insurance Coverage
Charter #2441'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.
Amoco - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)82
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)96
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.79% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 0.52% | 15% |
| Member Growth | -9.80% | 15% |
| Loan-to-Share Ratio | 91.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.47B | 98,055 |
| 2024Q4 | $1.38B | 108,705 |
| 2023Q4 | $1.42B | 105,753 |
Credit Union Details
- Charter Number
- 2441
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Texas City
- Data Quarter
- 2025Q4
What This Data Says About Amoco
Headquartered in Texas City, Texas, Amoco is a federal credit union with 98,055 members, $1.47B in total assets, and $1.17B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 7.79% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2441 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.72% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 91.32% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.52% on net income of $7.6M 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 -9.80%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 Amoco financially healthy?
Amoco has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.79% and delinquency rate of 0.72%.
How does Amoco compare to other credit unions?
Amoco scores 77/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Amoco?
Amoco 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 Amoco directly for the exact boundaries and application steps.
Is my money safe at Amoco?
Federal credit unions like Amoco 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. Amoco's net worth ratio of 7.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Amoco offer compared to banks?
Credit unions like Amoco 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 Amoco 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.