Federal credit union · Palestine, Texas · NCUA charter #9880
Anderson County
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $26.7M
- Total assets
- 2,273
- Members
- 14.0%
- Net-worth ratio
Anderson County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9880: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Anderson County - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)77
- Earnings (ROA)100
- Member growth85
- Liquidity (loan-to-share)63
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.96% | 30% |
| Delinquency Rate | 1.10% | 25% |
| Return on Assets | 1.84% | 15% |
| Member Growth | 3.18% | 15% |
| Loan-to-Share Ratio | 37.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $26.7M | 2,273 |
| 2024Q4 | $24.6M | 2,203 |
| 2023Q4 | $23.7M | 1,965 |
Credit Union Details
- Charter Number
- 9880
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Palestine
- Data Quarter
- 2025Q4
What This Data Says About Anderson County
Headquartered in Palestine, Texas, Anderson County is a federal credit union with 2,273 members, $26.7M in total assets, and $8.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 13.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9880 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 37.86% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.10% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.84% on net income of $491K 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 3.18%. 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 Anderson County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Anderson County carries a financial health score of 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.96% net worth ratio and a 1.10% delinquency rate.
How does Anderson County compare to other credit unions?
On PlainCU's health composite, Anderson County lands at 86/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Anderson County?
Anderson County 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 Anderson County directly for the exact boundaries and application steps.
Is my money safe at Anderson County?
Federal credit unions like Anderson County 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. Anderson County's net worth ratio of 13.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Anderson County offer compared to banks?
Credit unions like Anderson County 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 Anderson County 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.