Federal credit union · Del Rio, Texas · NCUA charter #24304
BORDER
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $258.1M
- Total assets
- 27,587
- Members
- 17.4%
- Net-worth ratio
BORDER scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $258.1M; members 27,587; net-worth ratio 17.43%; health rank #454 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#454 of 4,374 health · 2025Q4BORDER · health 94/100 · $258.1M · 2025Q4
Call Report peers
BORDER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BORDER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BORDER sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
BORDER: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 80.84% here, 72.20% peer average (+8.64 pp).
Where BORDER sits in Texas
- Texas health ordinal: #42 of 386.
- Assets rank #91 of 386 inside Texas ($258.1M reported).
- Texas membership ordinal: #72 of 386.
- One place up in Texas, Lubrizol Employees' (#41) ties at 94/100; one place down, NAFT (#43) ties at 94/100.
BORDER Call Report trajectory
BORDER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $258.1M (2025Q4) to $268.6M (2026Q1).
- Net-worth ratio shifted -0.39 pp (17.82% → 17.43%).
This credit union's 17.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
BORDER gives up 6 points in total. Member Growth costs the most, 5.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.43% | +5.32 pp |
| Delinquency Rate | 0.59% | -0.30 pp |
| Return on Assets | 1.77% | +1.14 pp |
| Member Growth | 0.59% | - |
| Loan-to-Share Ratio | 80.84% | +8.64 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - BORDER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $268.6M | - |
| 2025Q4 | $258.1M | 27,587 |
| 2024Q4 | $241.2M | 27,426 |
| 2023Q4 | $237.6M | 27,112 |
Credit Union Details
- Charter Number
- 24304
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Del Rio
- Data Quarter
- 2025Q4
Branch Locations (5)
BORDER operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Del Rio, TX |
| Gibbs St Branch | Del Rio, TX |
| Laughlin Branch | Del Rio, TX |
| Eagle Pass Veterans Blvd Branch | Eagle Pass, TX |
| Eagle Pass El Indio Hwy Branch | Eagle Pass, 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.
Cross-state Call Report peers for BORDER
Using this data
- BORDER ranks #454 of 4,374 nationally on financial health and #42 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest Heritage
Frequently Asked Questions
Is BORDER financially healthy?
On its 2025Q4 NCUA 5300 filing, BORDER scores 94/100 (Excellent), with a 17.43% net worth ratio and 0.59% of loans delinquent. It ranks #454 of 4,374 nationally on health and #42 of 386 in Texas.
How does BORDER compare to other credit unions?
BORDER scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.84% vs 72.20%).
How can I join BORDER?
BORDER 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 BORDER directly for the exact boundaries and application steps.
Is my money safe at BORDER?
BORDER 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. BORDER's net worth ratio of 17.43% 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.