Federal credit union · Fort Worth, Texas · NCUA charter #514
Ben E Keith Company Employees
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $11.7M
- Total assets
- 1,619
- Members
- 19.7%
- Net-worth ratio
Ben E Keith Company Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #514, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Ben E Keith Company Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth37
- Liquidity (loan-to-share)76
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
19.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.71% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.86% | 15% |
| Member Growth | -1.94% | 15% |
| Loan-to-Share Ratio | 53.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.7M | 1,619 |
| 2024Q4 | $11.3M | 1,651 |
| 2023Q4 | $11.7M | 1,728 |
Credit Union Details
- Charter Number
- 514
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
What This Data Says About Ben E Keith Company Employees
1,619 members and $11.7M in total assets sit behind Ben E Keith Company Employees, a federal credit union in Fort Worth, Texas, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $5.0M in outstanding loans as of Q4 2025 and a net worth ratio of 19.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #514 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 53.73% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.86% on net income of $218K 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 -1.94%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Ben E Keith Company Employees financially healthy?
Ben E Keith Company Employees has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.71% and delinquency rate of 0.00%.
How does Ben E Keith Company Employees compare to other credit unions?
Ben E Keith Company Employees scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Ben E Keith Company Employees?
Ben E Keith Company Employees 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 Ben E Keith Company Employees directly for the exact boundaries and application steps.
Is my money safe at Ben E Keith Company Employees?
Federal credit unions like Ben E Keith Company Employees 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. Ben E Keith Company Employees's net worth ratio of 19.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ben E Keith Company Employees offer compared to banks?
Credit unions like Ben E Keith Company Employees 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 Ben E Keith Company Employees 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.