Federal credit union · Andrews, Texas · NCUA charter #10739
Andrews School
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $6.7M
- Total assets
- 803
- Members
- 28.6%
- Net-worth ratio
Andrews School scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.7M; members 803; net-worth ratio 28.60%; health rank #3,741 of 4,374; healthier than 13th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,741 of 4,374 health · 2025Q4Andrews School · health 67/100 · $6.7M · 2025Q4
- NW 67/100
- DELQ 28.6%
- ROA 4.32%
- ASSETS 1.52%
- MEM $6.7M
- RANK 803
- PHOTO #3,741/4,374
- BOOK n/a
- CHARTER 10739
Call Report peers
Andrews School carries $6.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Andrews School 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
67 13th percentile higher than 13% 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
Andrews School - Share Insurance Coverage
Charter #10739'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.
Andrews School: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +11.40 pp (75.00% vs 63.60%).
- Widest shortfall vs peers is Delinquency Rate: +2.51 pp (4.32% vs 1.81%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Andrews School
- Health composite ranks #327 of 386 among scored Texas credit unions.
- Assets rank #330 of 386 inside Texas ($6.7M reported).
- Membership ranks #335 of 386 among Texas CUs with a reported count (803 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.
Andrews School Call Report trajectory
Andrews School: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $6.7M (2025Q4) to $6.6M (2026Q1).
- Net-worth ratio shifted +0.73 pp (27.87% → 28.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
28.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.60% | +9.54 pp |
| Delinquency Rate | 4.32% | +2.51 pp |
| Return on Assets | 1.52% | +1.07 pp |
| Member Growth | -0.99% | - |
| Loan-to-Share Ratio | 75.00% | +11.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Andrews School
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.6M | - |
| 2025Q4 | $6.7M | 803 |
| 2024Q4 | $6.9M | 811 |
| 2023Q4 | $6.7M | 784 |
Credit Union Details
- Charter Number
- 10739
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Andrews
- Data Quarter
- 2025Q4
Branch Location
Andrews School operates a single office in Andrews, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Andrews School Federal Credit Union (Main Office) | Andrews, 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.
Other-state peers near Andrews School
Andrews School's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Andrews School ranks #3,741 of 4,374 nationally on financial health and #327 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Light Commerce is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Light Commerce
- 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 Andrews School financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Andrews School carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,741 of 4,374; by total assets it ranks #3,747 of 4,374 nationally (same basis as /rankings/largest); and #330 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 28.60% net worth ratio and a 4.32% delinquency rate.
How does Andrews School compare to other credit unions?
Five weighted metrics from NCUA filings produce Andrews School's 67/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Andrews School?
Andrews School is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Andrews School directly to confirm eligibility.
Is my money safe at Andrews School?
Federal credit unions like Andrews School 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. Andrews School's net worth ratio of 28.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Andrews School offer compared to banks?
Credit unions like Andrews School 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 Andrews School 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.