Federal credit union · Austin, Texas · NCUA charter #4584
Austin Telco
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $2.55B
- Total assets
- 94,794
- Members
- 13.8%
- Net-worth ratio
Austin Telco scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.55B; members 94,794; net-worth ratio 13.83%; health rank #238 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#238 of 4,374 health · 2025Q4Austin Telco · health 96/100 · $2.55B · 2025Q4
- CHARTER 96/100
- NCUSIF 13.8%
- CAMELS 0.50%
- HEALTH 0.60%
- NW $2.55B
- DELQ 94,794
- ROA #238/4,374
- ASSETS DOW
- MEM 4584
Call Report peers
Austin Telco in the assets neighbourhood
Austin Telco's $2.55B assets sit next to DOW ($2.55B) 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.
Austin Telco 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
96 Top 7% higher than 93% 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
Austin Telco - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4584, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Austin Telco: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 13.83% here, 11.18% peer average (+2.65 pp).
- Largest lag: Loan-to-Share Ratio at 81.77% vs peer 83.90% (-2.13 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Austin Telco in Texas
- In Texas, health place is #21 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Austin Telco is #15 of 386 in Texas.
- Membership ranks #25 of 386 among Texas CUs with a reported count (94,794 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Austin Telco: 2025Q4 → 2026Q1
Austin Telco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $2.55B (2025Q4) to $2.55B (2026Q1).
- Net-worth ratio shifted +0.18 pp (13.65% → 13.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 15.2 pts
Austin Telco vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.83% | +2.65 pp |
| Delinquency Rate | 0.50% | -0.37 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 1.50% | - |
| Loan-to-Share Ratio | 81.77% | -2.13 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.55B | - |
| 2025Q4 | $2.55B | 94,794 |
| 2024Q4 | $2.52B | 93,391 |
| 2023Q4 | $2.48B | 92,341 |
Credit Union Details
- Charter Number
- 4584
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (24)
Austin Telco operates 24 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Balcones Centre (Main Office) | Austin, TX |
| Shoal Creek | Austin, TX |
| HWY 290 | Austin, TX |
| Taos | Austin, TX |
| Jollyville | Austin, TX |
| Pecan Park | Austin, TX |
| Brodie | Austin, TX |
| Frontier Trail | Austin, TX |
| Tech Ridge | Austin, TX |
| Oak Hill | Austin, TX |
| Bastrop | Bastrop, TX |
| Buda | BUDA, TX |
| Cedar Park | Cedar Park, TX |
| Lakeline | Cedar Park, TX |
| Georgetown | Georgetown, TX |
| Lakeway | Lakeway, TX |
| Leander | Leander, TX |
| Lockhart | Lockhart, TX |
| Marble Falls | Marble Falls, TX |
| Stone Hill Town Center | Pflugerville, TX |
| La Frontera | Round Rock, TX |
| University Oaks | Round Rock, TX |
| San Marcos | San Marcos, TX |
| Taylor | Taylor, 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.
Other-state peers near Austin Telco
Austin Telco's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.55B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Austin Telco ranks #238 of 4,374 nationally on financial health and #21 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- A+ is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with A+
- 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 Austin Telco financially healthy?
A 13.83% net worth ratio and a 0.50% delinquency rate feed into Austin Telco's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #238 of 4,374; by total assets it ranks #206 of 4,374 nationally (same basis as /rankings/largest); and #15 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Austin Telco compare to other credit unions?
Austin Telco scores 96/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Austin Telco?
Austin Telco 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 Telco directly for the exact boundaries and application steps.
Is my money safe at Austin Telco?
Federal credit unions like Austin Telco 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. Austin Telco's net worth ratio of 13.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Austin Telco offer compared to banks?
Credit unions like Austin Telco 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 Austin Telco 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.