State credit union · League City, Texas · NCUA charter #60608
Associated Credit Union of Texas
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $570.6M
- Total assets
- 44,120
- Members
- 10.9%
- Net-worth ratio
Associated Credit Union of Texas scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $570.6M; members 44,120; net-worth ratio 10.94%; health rank #1,477 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,477 of 4,374 health · 2025Q4Associated · health 88/100 · $570.6M · 2025Q4
- HEALTH 88/100
- NW 10.9%
- DELQ 1.22%
- ROA 0.57%
- ASSETS $570.6M
- MEM 44,120
- RANK #1,477/4,374
- PHOTO CABRILLO
- BOOK 60608
Call Report peers
Associated Credit Union of Texas in the assets neighbourhood
Associated Credit Union of Texas's $570.6M assets sit next to CABRILLO ($570.6M) 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.
Associated Credit Union of Texas 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
88 Top 35% higher than 65% 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
Associated Credit Union of Texas - Share Insurance Coverage
Charter #60608'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.
Where Associated Credit Union of Texas diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.77% here, 83.90% peer average (+6.87 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.34 pp (1.22% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Associated Credit Union of Texas sits in Texas
- Health composite ranks #139 of 386 among scored Texas credit unions.
- By total assets, Associated Credit Union of Texas is #60 of 386 in Texas.
- Texas membership ordinal: #53 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.
Quarter path for Associated Credit Union of Texas
Associated Credit Union of Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $570.6M (2025Q4) to $589.3M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.06% → 10.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.3 pts
Associated health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.94% | -0.24 pp |
| Delinquency Rate | 1.22% | +0.34 pp |
| Return on Assets | 0.57% | +0.07 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 90.77% | +6.87 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).
Associated Credit Union of Texas quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $589.3M | - |
| 2025Q4 | $570.6M | 44,120 |
| 2024Q4 | $512.9M | 43,631 |
| 2023Q4 | $534.8M | 44,479 |
Credit Union Details
- Charter Number
- 60608
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- League City
- Data Quarter
- 2025Q4
Branch Locations (11)
Associated Credit Union of Texas operates 11 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | League City, TX |
| Alvin | Alvin, TX |
| Cypress | Cypress, TX |
| Deer Park | Deer Park, TX |
| La Marque | La Marque, TX |
| League City | League City, TX |
| Pearland | Pearland, TX |
| Pearland HEB | Pearland, TX |
| Pearwood | Pearland, TX |
| Santa Fe | Santa Fe, TX |
| Texas City | 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.
Associated Credit Union of Texas nationwide neighbourhoods
Two NCUA Call Report peer sets for Associated Credit Union of Texas, 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 ($570.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Associated Credit Union of Texas ranks #1,477 of 4,374 nationally on financial health and #139 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOARION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOARION
- 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 Associated Credit Union of Texas financially healthy?
A 10.94% net worth ratio and a 1.22% delinquency rate feed into Associated Credit Union of Texas's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,477 of 4,374; by total assets it ranks #700 of 4,374 nationally (same basis as /rankings/largest); and #60 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Associated Credit Union of Texas compare to other credit unions?
PlainCU's health composite puts Associated Credit Union of Texas at 88/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Associated Credit Union of Texas?
Membership eligibility for Associated Credit Union of Texas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Associated Credit Union of Texas directly for current membership requirements and application steps.
Is my money safe at Associated Credit Union of Texas?
Federal credit unions like Associated Credit Union of Texas 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. Associated Credit Union of Texas's net worth ratio of 10.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Associated Credit Union of Texas offer compared to banks?
Credit unions like Associated Credit Union of Texas 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 Associated Credit Union of Texas 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.