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
Call Report peers
Austin Telco in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Austin Telco sits in 95-99 with 391 others.
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: 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).
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).
- One place up in Texas, Texan Sky (#20) ties at 96/100; one place down, Fort Worth City (#22) ties at 96/100.
Austin Telco: 2025Q4 → 2026Q1
Austin Telco: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $2.55B (2025Q4) to $2.55B (2026Q1).
- Net-worth ratio shifted +0.18 pp (13.65% → 13.83%).
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
Austin Telco gives up 4 points in total. Member Growth costs the most, 4.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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+
Frequently Asked Questions
Is Austin Telco financially healthy?
Austin Telco has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #238 of 4,374 nationally on health and #21 of 386 in Texas. Its net worth ratio is 13.83% and its delinquency rate 0.50%.
How does Austin Telco compare to other credit unions?
Austin Telco scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.83% vs 11.18%). Its widest shortfall is loan-to-share ratio (81.77% vs 83.90%).
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?
Austin Telco 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 Telco's net worth ratio of 13.83% 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.