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
- DELQ 94/100
- ROA 17.4%
- ASSETS 0.59%
- MEM 1.77%
- RANK $258.1M
- PHOTO 27,587
- BOOK #454/4,374
- CHARTER Saint Lawrence
- NCUSIF 24304
Call Report peers
BORDER in the assets neighbourhood
BORDER's $258.1M assets sit next to Saint Lawrence ($258.6M) 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.
BORDER 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24304, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
BORDER: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 80.84% here, 72.20% peer average (+8.64 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BORDER Call Report trajectory
BORDER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $258.1M (2025Q4) to $268.6M (2026Q1).
- Net-worth ratio shifted -0.39 pp (17.82% → 17.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for BORDER - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($258.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- 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 BORDER financially healthy?
BORDER scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #454 of 4,374; by total assets it ranks #1,119 of 4,374 nationally (same basis as /rankings/largest); and #91 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.43% net worth ratio and a 0.59% delinquency rate.
How does BORDER compare to other credit unions?
BORDER scores 94/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 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?
Federal credit unions like BORDER 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. BORDER's net worth ratio of 17.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BORDER offer compared to banks?
Credit unions like BORDER 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 BORDER 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.