State credit union · Katy, Texas · NCUA charter #66353
Brazos Valley Schools
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.02B
- Total assets
- 64,713
- Members
- 10.4%
- Net-worth ratio
Brazos Valley Schools scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.02B; members 64,713; net-worth ratio 10.42%; health rank #2,631 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,631 of 4,374 health · 2025Q4Brazos Valley Schools · health 81/100 · $1.02B · 2025Q4
- MEM 81/100
- RANK 10.4%
- PHOTO 1.10%
- BOOK 0.26%
- CHARTER $1.02B
- NCUSIF 64,713
- CAMELS #2,631/4,374
- HEALTH MIRASTAR
- NW 66353
Call Report peers
Brazos Valley Schools in the assets neighbourhood
Brazos Valley Schools's $1.02B assets sit next to MIRASTAR ($1.02B) 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 Valley Schools 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
81 39th percentile higher than 39% 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 Valley Schools - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66353, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Brazos Valley Schools vs Over $500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -35.68 pp (48.22% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Brazos Valley Schools sits in Texas
- Health composite ranks #239 of 386 among scored Texas credit unions.
- Texas assets place: #37 of 386.
- Membership ranks #37 of 386 among Texas CUs with a reported count (64,713 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 Valley Schools: 2025Q4 → 2026Q1
Brazos Valley Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $1.02B (2025Q4) to $1.04B (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.36% → 10.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 11.4 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 10.3 pts
Brazos Valley Schools health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.42% | -0.76 pp |
| Delinquency Rate | 1.10% | +0.23 pp |
| Return on Assets | 0.26% | -0.25 pp |
| Member Growth | 0.95% | - |
| Loan-to-Share Ratio | 48.22% | -35.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.04B | - |
| 2025Q4 | $1.02B | 64,713 |
| 2024Q4 | $975.0M | 64,105 |
| 2023Q4 | $956.8M | 62,670 |
Credit Union Details
- Charter Number
- 66353
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Katy
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, Brazos Valley Schools runs 13 offices in 10 different cities.
| Office | City |
|---|---|
| BVSCU Administrative Office (Main Office) | Katy, TX |
| Brazos Valley Schools CU | Brenham, TX |
| Brazos Valley Schools CU | College Station, TX |
| Brazos Valley Schools CU | Fulshear, TX |
| Brazos Valley Schools CU | Houston, TX |
| Katy Branch & Real Estate Office | Katy, TX |
| Brazos Valley Schools CU | Missouri City, TX |
| Brazos Valley Schools CU | Rosenberg, TX |
| Brazos Valley Schools CU | Rosenberg, TX |
| Brazos Valley Schools CU | Sealy, TX |
| Brazos Valley Schools CU | Sugar Land, TX |
| Brazos Valley Schools CU | Sugar Land, TX |
| Brazos Valley Schools CU | Waller, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Brazos Valley Schools's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.02B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Brazos Valley Schools ranks #2,631 of 4,374 nationally on financial health and #239 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Houston Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Houston Police
- 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 Valley Schools financially healthy?
Brazos Valley Schools scores 81/100 (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 #2,631 of 4,374; by total assets it ranks #465 of 4,374 nationally (same basis as /rankings/largest); and #37 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.42% net worth ratio and a 1.10% delinquency rate.
How does Brazos Valley Schools compare to other credit unions?
On PlainCU's health composite, Brazos Valley Schools lands at 81/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Brazos Valley Schools?
Membership eligibility for Brazos Valley Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Brazos Valley Schools directly for current membership requirements and application steps.
Is my money safe at Brazos Valley Schools?
Federal credit unions like Brazos Valley Schools 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 Valley Schools's net worth ratio of 10.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brazos Valley Schools offer compared to banks?
Credit unions like Brazos Valley Schools 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 Valley Schools 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.