State credit union · Lufkin, Texas · NCUA charter #67489
ASPIRE
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $38.4M
- Total assets
- 2,441
- Members
- 20.2%
- Net-worth ratio
ASPIRE scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.4M; members 2,441; net-worth ratio 20.22%; health rank #1,884 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,884 of 4,374 health · 2025Q4ASPIRE · health 85/100 · $38.4M · 2025Q4
- PHOTO 85/100
- BOOK 20.2%
- CHARTER 0.19%
- NCUSIF 1.91%
- CAMELS $38.4M
- HEALTH 2,441
- NW #1,884/4,374
- DELQ Twin Rivers
- ROA 67489
Call Report peers
ASPIRE in the assets neighbourhood
ASPIRE's $38.4M assets sit next to Twin Rivers ($38.4M) 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.
ASPIRE 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
85 Top 46% higher than 54% 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
ASPIRE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67489 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
ASPIRE: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +12.26 pp (72.06% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for ASPIRE
- Health composite ranks #174 of 386 among scored Texas credit unions.
- Texas assets place: #211 of 386.
- Member book place in Texas: #235 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ASPIRE: 2025Q4 → 2026Q1
ASPIRE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $38.4M (2025Q4) to $37.9M (2026Q1).
- Net-worth ratio shifted +0.68 pp (19.54% → 20.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
ASPIRE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.22% | +5.36 pp |
| Delinquency Rate | 0.19% | -0.96 pp |
| Return on Assets | 1.91% | +1.21 pp |
| Member Growth | -5.13% | - |
| Loan-to-Share Ratio | 72.06% | +12.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
ASPIRE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.9M | - |
| 2025Q4 | $38.4M | 2,441 |
| 2024Q4 | $37.1M | 2,573 |
| 2023Q4 | $38.0M | 2,556 |
Credit Union Details
- Charter Number
- 67489
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Lufkin
- Data Quarter
- 2025Q4
Branch Locations (2)
ASPIRE operates 2 offices in Lufkin, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Aspire Credit Union (Main Office) | Lufkin, TX |
| Aspire CU ATM | Lufkin, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for ASPIRE
Two NCUA Call Report peer sets for ASPIRE, 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 ($38.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- ASPIRE ranks #1,884 of 4,374 nationally on financial health and #174 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Golden Triangle is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Golden Triangle
- 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 ASPIRE financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - ASPIRE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,884 of 4,374; by total assets it ranks #2,643 of 4,374 nationally (same basis as /rankings/largest); and #211 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.22% net worth ratio and 0.19% delinquency rate are the key drivers.
How does ASPIRE compare to other credit unions?
On PlainCU's health composite, ASPIRE lands at 85/100, 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 ASPIRE?
Membership eligibility for ASPIRE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ASPIRE directly for current membership requirements and application steps.
Is my money safe at ASPIRE?
Federal credit unions like ASPIRE 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. ASPIRE's net worth ratio of 20.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ASPIRE offer compared to banks?
Credit unions like ASPIRE 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 ASPIRE 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.