Federal credit union · BROWNSVILLE, Texas · NCUA charter #20392
Brownsville City Employees
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $6.6M
- Total assets
- 1,414
- Members
- 32.0%
- Net-worth ratio
Brownsville City Employees scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.6M; members 1,414; net-worth ratio 32.04%; health rank #214 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#214 of 4,374 health · 2025Q4Brownsville City Employees · health 96/100 · $6.6M · 2025Q4
Call Report peers
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Brownsville City Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Brownsville City Employees sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Brownsville City Employees: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 32.04% here, 19.06% peer average (+12.98 pp).
- Largest lag: Loan-to-Share Ratio at 57.09% vs peer 63.60% (-6.51 pp).
Texas standing for Brownsville City Employees
- Health composite ranks #18 of 386 among scored Texas credit unions.
- By total assets, Brownsville City Employees is #331 of 386 in Texas.
- Membership ranks #286 of 386 among Texas CUs with a reported count (1,414 members).
- One place up in Texas, CAPITOL (#17) scores 97/100, 1 point higher; one place down, Port of Houston Warehouse (#19) ties at 96/100.
Quarter path for Brownsville City Employees
Brownsville City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $6.6M (2025Q4) to $6.8M (2026Q1).
- Net-worth ratio shifted -1.07 pp (33.11% → 32.04%).
This credit union's 32.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Brownsville City Employees gives up 4 points in total. Loan-to-Share Ratio costs the most, 2.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.04% | +12.98 pp |
| Delinquency Rate | 0.44% | -1.37 pp |
| Return on Assets | 2.12% | +1.67 pp |
| Member Growth | 4.05% | - |
| Loan-to-Share Ratio | 57.09% | -6.51 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Brownsville City Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.8M | - |
| 2025Q4 | $6.6M | 1,414 |
| 2024Q4 | $6.9M | 1,359 |
| 2023Q4 | $7.0M | 1,325 |
Credit Union Details
- Charter Number
- 20392
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Texas
- City
- BROWNSVILLE
- Data Quarter
- 2025Q4
Branch Location
Brownsville City Employees operates a single office in BROWNSVILLE, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BROWNSVILLE CITY EMPLOYEES FCU (Main Office) | BROWNSVILLE, 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.
Brownsville City Employees nationwide neighbourhoods
Similar health score
Using this data
- Brownsville City Employees ranks #214 of 4,374 nationally on financial health and #18 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Andrews School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Andrews School
Frequently Asked Questions
Is Brownsville City Employees financially healthy?
Brownsville City Employees has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #214 of 4,374 nationally on health and #18 of 386 in Texas. Its net worth ratio is 32.04% and its delinquency rate 0.44%.
How does Brownsville City Employees compare to other credit unions?
Brownsville City Employees scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (32.04% vs 19.06%). Its widest shortfall is loan-to-share ratio (57.09% vs 63.60%).
How can I join Brownsville City Employees?
Brownsville City Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Brownsville City Employees directly to confirm current membership steps.
Is my money safe at Brownsville City Employees?
Brownsville City Employees 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. Brownsville City Employees's net worth ratio of 32.04% 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.