Federal credit union · AUSTIN, Texas · NCUA charter #17955
AUSTIN
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $39.1M
- Total assets
- 2,518
- Members
- 9.1%
- Net-worth ratio
AUSTIN scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.1M; members 2,518; net-worth ratio 9.10%; health rank #3,205 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,205 of 4,374 health · 2025Q4AUSTIN · health 76/100 · $39.1M · 2025Q4
Call Report peers
AUSTIN in the assets neighbourhood
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AUSTIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AUSTIN sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where AUSTIN diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.69% vs peer 1.15% (-0.45 pp).
- Loan-to-Share Ratio trails the peer set - 50.56% here, 59.80% peer average (-9.24 pp).
Texas standing for AUSTIN
- Health composite ranks #281 of 386 among scored Texas credit unions.
- By total assets, AUSTIN is #209 of 386 in Texas.
- Membership ranks #233 of 386 among Texas CUs with a reported count (2,518 members).
- One place up in Texas, 1st University (#280) ties at 76/100; one place down, Generations Community (#282) ties at 76/100.
AUSTIN: 2025Q4 → 2026Q1
AUSTIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $39.1M (2025Q4) to $39.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.03% → 9.10%).
This credit union's 9.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
AUSTIN gives up 24 points in total. Member Growth costs the most, 15 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.10% | -5.76 pp |
| Delinquency Rate | 0.69% | -0.45 pp |
| Return on Assets | 0.93% | +0.23 pp |
| Member Growth | -5.41% | - |
| Loan-to-Share Ratio | 50.56% | -9.24 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
AUSTIN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.3M | - |
| 2025Q4 | $39.1M | 2,518 |
| 2024Q4 | $36.9M | 2,662 |
| 2023Q4 | $37.9M | 2,634 |
Credit Union Details
- Charter Number
- 17955
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- AUSTIN
- Data Quarter
- 2025Q4
Branch Location
AUSTIN operates a single office in Austin, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Austin, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for AUSTIN
Similar total assets
Similar health score
Using this data
- AUSTIN ranks #3,205 of 4,374 nationally on financial health and #281 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Angelo is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Angelo
Frequently Asked Questions
Is AUSTIN financially healthy?
On its 2025Q4 NCUA 5300 filing, AUSTIN scores 76/100 (Very Good), with a 9.10% net worth ratio and 0.69% of loans delinquent. It ranks #3,205 of 4,374 nationally on health and #281 of 386 in Texas.
How does AUSTIN compare to other credit unions?
AUSTIN scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.69% vs 1.15%). Its widest shortfall is loan-to-share ratio (50.56% vs 59.80%).
How can I join AUSTIN?
AUSTIN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AUSTIN directly for the exact boundaries and application steps.
Is my money safe at AUSTIN?
AUSTIN 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. AUSTIN's net worth ratio of 9.10% 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.