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
Call Report peers
Associated Credit Union of Texas in the assets neighbourhood
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
Associated Credit Union of Texas sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, First Basin (#138) ties at 88/100; one place down, MESQUITE (#140) ties at 88/100.
Quarter path for Associated Credit Union of Texas
Associated Credit Union of Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $570.6M (2025Q4) to $589.3M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.06% → 10.94%).
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
Associated Credit Union of Texas gives up 12 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Associated Credit Union of Texas financially healthy?
Associated Credit Union of Texas has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,477 of 4,374 nationally on health and #139 of 386 in Texas. Its net worth ratio is 10.94% and its delinquency rate 1.22%.
How does Associated Credit Union of Texas compare to other credit unions?
Associated Credit Union of Texas scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.77% vs 83.90%). Its widest shortfall is delinquency rate (1.22% vs 0.87%).
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?
Associated Credit Union of Texas is a state-chartered 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. Associated Credit Union of Texas's net worth ratio of 10.94% 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.