State credit union · Alvin, Texas · NCUA charter #67510
Brazos Community
Health score 51/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $20.0M
- Total assets
- 1,958
- Members
- 18.4%
- Net-worth ratio
Brazos Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67510. See our deposit-insurance coverage note.
Brazos Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)34
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)84
Weighted composite: 51/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.39% 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 | 18.39% | 30% |
| Delinquency Rate | 2.64% | 25% |
| Return on Assets | -2.26% | 15% |
| Member Growth | -9.35% | 15% |
| Loan-to-Share Ratio | 95.20% | 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 | $20.0M | 1,958 |
| 2024Q4 | $25.3M | 2,160 |
| 2023Q4 | $26.0M | 2,295 |
Credit Union Details
- Charter Number
- 67510
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Alvin
- Data Quarter
- 2025Q4
What This Data Says About Brazos Community
1,958 members and $20.0M in total assets sit behind Brazos Community, a state credit union in Alvin, Texas, which posts a health score of 51/100 (Fair) on the five-factor composite, with $15.3M in outstanding loans as of Q4 2025 and a net worth ratio of 18.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67510 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
2.64% 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 looser than peers. Deposit deployment is captured by the 95.20% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -2.26% on net income of $-451311 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 -9.35%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group 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 Brazos Community financially healthy?
Yes/no aside, the number is 51/100 (Fair) - Brazos Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.39% net worth ratio and 2.64% delinquency rate are the key drivers.
How does Brazos Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Brazos Community's 51/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Brazos Community?
Membership eligibility for Brazos Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Brazos Community directly for current membership requirements and application steps.
Is my money safe at Brazos Community?
Federal credit unions like Brazos Community 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. Brazos Community's net worth ratio of 18.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brazos Community offer compared to banks?
Credit unions like Brazos Community 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 Brazos Community 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.