State credit union · College Station, Texas · NCUA charter #67408
Brazos Star
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $34.9M
- Total assets
- 2,016
- Members
- 14.9%
- Net-worth ratio
Brazos Star scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.9M; members 2,016; net-worth ratio 14.86%; health rank #1,416 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,416 of 4,374 health · 2025Q4Brazos Star · health 88/100 · $34.9M · 2025Q4
- CHARTER 88/100
- NCUSIF 14.9%
- CAMELS 0.71%
- HEALTH 0.70%
- NW $34.9M
- DELQ 2,016
- ROA #1,416/4,374
- ASSETS U S P L K Employees
- MEM 67408
Call Report peers
Brazos Star in the assets neighbourhood
Brazos Star's $34.9M assets sit next to U S P L K Employees ($34.9M) 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.
Brazos Star 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
88 Top 35% higher than 65% 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
Brazos Star - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67408: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Brazos Star diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.71% vs peer 1.15% (-0.43 pp).
- Largest lag: Loan-to-Share Ratio at 51.49% vs peer 59.80% (-8.31 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Brazos Star sits in Texas
- Texas health ordinal: #135 of 386.
- Assets rank #216 of 386 inside Texas ($34.9M reported).
- Membership ranks #253 of 386 among Texas CUs with a reported count (2,016 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Brazos Star: 2025Q4 → 2026Q1
Brazos Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $34.9M (2025Q4) to $35.3M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.83% → 14.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 10.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.86% | +0.00 pp |
| Delinquency Rate | 0.71% | -0.43 pp |
| Return on Assets | 0.70% | -0.01 pp |
| Member Growth | 0.25% | - |
| Loan-to-Share Ratio | 51.49% | -8.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Brazos Star quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.3M | - |
| 2025Q4 | $34.9M | 2,016 |
| 2024Q4 | $34.5M | 2,011 |
| 2023Q4 | $33.8M | 2,077 |
Credit Union Details
- Charter Number
- 67408
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- College Station
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Brazos Star.
| Office | City |
|---|---|
| 701 Harvey Road (Main Office) | College Station, TX |
| ATM | College Station, 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.
Other-state peers near Brazos Star
Brazos Star's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Brazos Star ranks #1,416 of 4,374 nationally on financial health and #135 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Financial
- 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 Brazos Star financially healthy?
A 14.86% net worth ratio and a 0.71% delinquency rate feed into Brazos Star's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,416 of 4,374; by total assets it ranks #2,720 of 4,374 nationally (same basis as /rankings/largest); and #216 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Brazos Star compare to other credit unions?
Five weighted metrics from NCUA filings produce Brazos Star's 88/100 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 Star?
Membership eligibility for Brazos Star depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Brazos Star directly for current membership requirements and application steps.
Is my money safe at Brazos Star?
Federal credit unions like Brazos Star 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 Star's net worth ratio of 14.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brazos Star offer compared to banks?
Credit unions like Brazos Star 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 Star 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.