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
- NCUSIF 96/100
- CAMELS 32.0%
- HEALTH 0.44%
- NW 2.12%
- DELQ $6.6M
- ROA 1,414
- ASSETS #214/4,374
- MEM n/a
- RANK 20392
Call Report peers
Brownsville City Employees carries $6.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Brownsville City Employees 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
96 Top 7% higher than 93% 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
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: 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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Brownsville City Employees
Brownsville City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $6.6M (2025Q4) to $6.8M (2026Q1).
- Net-worth ratio shifted -1.07 pp (33.11% → 32.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Brownsville City Employees, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #214 of 4,374; by total assets it ranks #3,754 of 4,374 nationally (same basis as /rankings/largest); and #331 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 32.04% 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 32.04% 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.
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.