Federal credit union · Houston, Texas · NCUA charter #24445
BP
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $121.9M
- Total assets
- 6,482
- Members
- 13.3%
- Net-worth ratio
BP scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $121.9M; members 6,482; net-worth ratio 13.26%; health rank #3,526 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,526 of 4,374 health · 2025Q4BP · health 71/100 · $121.9M · 2025Q4
Call Report peers
BP in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BP vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BP sits in 70-74 with 317 others.
71 18th percentile higher than 18% 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
Where BP diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +32.88 pp (105.08% vs 72.20%).
- Return on Assets trails the peer set - 0.02% here, 0.62% peer average (-0.60 pp).
BP in Texas
- Texas health ordinal: #310 of 386.
- Texas assets place: #134 of 386.
- Member book place in Texas: #158 of 386.
- One place up in Texas, Mount Olive Baptist Church (#309) ties at 71/100; one place down, E M O T (#311) scores 70/100, 1 point lower.
Quarter path for BP
BP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.1% from $121.9M (2025Q4) to $130.5M (2026Q1).
- Net-worth ratio shifted -0.87 pp (14.13% → 13.26%).
This credit union's 13.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
BP gives up 29 points in total. Member Growth costs the most, 13 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 5.4 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for BP
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.26% | +1.15 pp |
| Delinquency Rate | 0.42% | -0.47 pp |
| Return on Assets | 0.02% | -0.60 pp |
| Member Growth | -3.90% | - |
| Loan-to-Share Ratio | 105.08% | +32.88 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - BP
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $130.5M | - |
| 2025Q4 | $121.9M | 6,482 |
| 2024Q4 | $130.2M | 6,745 |
| 2023Q4 | $138.6M | 6,852 |
Credit Union Details
- Charter Number
- 24445
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for BP, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Republic Square (Main Office) | Houston, TX |
| Memorial Plaza Branch | Houston, TX |
| Westlake I Branch | Houston, TX |
| Disaster Recovery Site | Houston, TX |
| Helios Branch | Houston, TX |
| CO-OP Shared Branching | Plano, TX |
| Vital Records | Troy, MI |
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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- BP ranks #3,526 of 4,374 nationally on financial health and #310 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tarrant County's Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tarrant County's Credit Union
Frequently Asked Questions
Is BP financially healthy?
BP has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,526 of 4,374 nationally on health and #310 of 386 in Texas. Its net worth ratio is 13.26% and its delinquency rate 0.42%.
How does BP compare to other credit unions?
BP scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (105.08% vs 72.20%). Its widest shortfall is return on assets (0.02% vs 0.62%).
How can I join BP?
BP 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 BP directly for the exact boundaries and application steps.
Is my money safe at BP?
BP 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. BP's net worth ratio of 13.26% 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.