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
Call Report peers
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Andrews School vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Andrews School sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Texas, Heart O' Texas (#326) scores 68/100, 1 point higher; one place down, Baker Hughes (#328) ties at 67/100.
Andrews School Call Report trajectory
Andrews School: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $6.7M (2025Q4) to $6.6M (2026Q1).
- Net-worth ratio shifted +0.73 pp (27.87% → 28.60%).
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
Andrews School gives up 33 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Andrews School financially healthy?
On its 2025Q4 NCUA 5300 filing, Andrews School scores 67/100 (Good), with a 28.60% net worth ratio and 4.32% of loans delinquent. It ranks #3,741 of 4,374 nationally on health and #327 of 386 in Texas.
How does Andrews School compare to other credit unions?
Andrews School scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (75.00% vs 63.60%). Its widest shortfall is delinquency rate (4.32% vs 1.81%).
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?
Andrews School is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.