Federal credit union · Austin, Texas · NCUA charter #4584
Austin Telco
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $2.55B
- Total assets
- 94,794
- Members
- 13.6%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth72
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.61% | 30% |
| Delinquency Rate | 0.50% | 25% |
| Return on Assets | 0.60% | 15% |
| Member Growth | 1.50% | 15% |
| Loan-to-Share Ratio | 81.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Austin Telco
Austin Telco is a federal credit union headquartered in Austin, Texas, serving 94,794 members with $2.55B in total assets and $1.77B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 96/100 (Excellent), anchored by a net worth ratio of 13.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #4584 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 81.77% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.50% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.60% on net income of $15.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.50%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Austin Telco financially healthy?
A 13.61% 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. 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 13.61% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.