Federal credit union · Texas City, Texas · NCUA charter #2441
AMOCO
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $1.47B
- Total assets
- 98,055
- Members
- 9.0%
- Net-worth ratio
AMOCO scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.47B; members 98,055; net-worth ratio 9.04%; health rank #2,786 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,786 of 4,374 health · 2025Q4AMOCO · health 80/100 · $1.47B · 2025Q4
- ASSETS 80/100
- MEM 9.0%
- RANK 0.72%
- PHOTO 0.52%
- BOOK $1.47B
- CHARTER 98,055
- NCUSIF #2,786/4,374
- CAMELS ALLSOUTH
- HEALTH 2441
AMOCO in the assets neighbourhood
AMOCO's $1.47B assets sit next to ALLSOUTH ($1.47B) 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.
AMOCO 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
80 36th percentile higher than 36% 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
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.
Peer-gap read for AMOCO
- Loan-to-Share Ratio leads the peer set - 91.32% here, 83.90% peer average (+7.42 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.14 pp (9.04% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AMOCO: in-state Call Report ranks
- Health composite ranks #251 of 386 among scored Texas credit unions.
- Assets rank #25 of 386 inside Texas ($1.47B reported).
- Membership ranks #24 of 386 among Texas CUs with a reported count (98,055 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How AMOCO's 5300 filing moved
AMOCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $1.47B (2025Q4) to $1.50B (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.14% → 9.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
AMOCO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.04% | -2.14 pp |
| Delinquency Rate | 0.72% | -0.15 pp |
| Return on Assets | 0.52% | +0.01 pp |
| Member Growth | -9.80% | - |
| Loan-to-Share Ratio | 91.32% | +7.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
AMOCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.50B | - |
| 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
Branch Locations (12)
Per its most recent NCUA branch filing, AMOCO runs 12 offices in 8 different cities.
| Office | City |
|---|---|
| Texas City Admin & Training Facility (Main Office) | Texas City, TX |
| Alvin Branch | Alvin, TX |
| Bay Colony Branch | Dickinson, TX |
| Friendswood | Friendswood, TX |
| Galveston Branch | Galveston, TX |
| Clear Lake City Branch | Houston, TX |
| Clear Lake Bay Area | Houston, TX |
| Tuscan Lakes Branch | League City, TX |
| Magnolia Creek Branch | League City, TX |
| Santa Fe Branch | Santa Fe, TX |
| Marathon GBR-HESS | Texas City, TX |
| Texas City Branch (New) | Texas City, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for AMOCO, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.47B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- AMOCO ranks #2,786 of 4,374 nationally on financial health and #251 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Service
- 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 AMOCO financially healthy?
AMOCO has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,786 of 4,374; by total assets it ranks #329 of 4,374 nationally (same basis as /rankings/largest); and #25 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 9.04% and delinquency rate of 0.72%.
How does AMOCO compare to other credit unions?
AMOCO scores 80/100 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 9.04% 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.
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.