Federal credit union · BROWNSVILLE, Texas · NCUA charter #20392
Brownsville City Employees
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $6.6M
- Total assets
- 1,414
- Members
- 33.1%
- Net-worth ratio
Brownsville City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20392. See our deposit-insurance coverage note.
Brownsville City Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth92
- Liquidity (loan-to-share)81
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 33.11% 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 | 33.11% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 2.12% | 15% |
| Member Growth | 4.05% | 15% |
| Loan-to-Share Ratio | 57.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Brownsville City Employees
1,414 members and $6.6M in total assets sit behind Brownsville City Employees, a federal credit union in BROWNSVILLE, Texas, which posts a health score of 96/100 (Excellent) on the five-factor composite, with $2.5M in outstanding loans as of Q4 2025 and a net worth ratio of 33.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #20392 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.44% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 57.09% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.12% on net income of $139K 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 4.05%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Brownsville City Employees financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Brownsville City Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 33.11% net worth ratio and 0.44% delinquency rate are the key drivers.
How does Brownsville City Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Brownsville City Employees's 96/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Brownsville City Employees 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. Brownsville City Employees's net worth ratio of 33.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brownsville City Employees offer compared to banks?
Credit unions like Brownsville City Employees 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 Brownsville City Employees 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.