State credit union · Pampa, Texas · NCUA charter #67581
Cabot Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $42.0M
- Total assets
- 4,383
- Members
- 16.5%
- Net-worth ratio
Cabot Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.0M; members 4,383; net-worth ratio 16.54%; health rank #2,394 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,394 of 4,374 health · 2025Q4Cabot Community · health 82/100 · $42.0M · 2025Q4
- ROA 82/100
- ASSETS 16.5%
- MEM 0.78%
- RANK 2.39%
- PHOTO $42.0M
- BOOK 4,383
- CHARTER #2,394/4,374
- NCUSIF Auto-Owners Associates
- CAMELS 67581
Call Report peers
Cabot Community in the assets neighbourhood
Cabot Community's $42.0M assets sit next to Auto-Owners Associates ($42.0M) 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.
Cabot Community 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
82 43rd percentile higher than 43% 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
Cabot Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67581: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cabot Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 76.29% here, 59.80% peer average (+16.49 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cabot Community in Texas
- Texas health ordinal: #218 of 386.
- Assets rank #202 of 386 inside Texas ($42.0M reported).
- Member book place in Texas: #186 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Cabot Community's 5300 filing moved
Cabot Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $42.0M (2025Q4) to $43.3M (2026Q1).
- Net-worth ratio shifted +0.11 pp (16.43% → 16.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Cabot Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.54% | +1.68 pp |
| Delinquency Rate | 0.78% | -0.36 pp |
| Return on Assets | 2.39% | +1.68 pp |
| Member Growth | -4.84% | - |
| Loan-to-Share Ratio | 76.29% | +16.49 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).
Call Report history - Cabot Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.3M | - |
| 2025Q4 | $42.0M | 4,383 |
| 2024Q4 | $39.8M | 4,606 |
| 2023Q4 | $40.2M | 4,644 |
Credit Union Details
- Charter Number
- 67581
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pampa
- Data Quarter
- 2025Q4
Branch Locations (2)
Cabot Community operates 2 offices in Pampa, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cabot Community Credit Union (Main Office) | Pampa, TX |
| Cabot Community Credit Union | Pampa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Cabot Community
Cabot Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Cabot Community ranks #2,394 of 4,374 nationally on financial health and #218 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BCM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BCM
- 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 Cabot Community financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Cabot Community'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 #2,394 of 4,374; by total assets it ranks #2,552 of 4,374 nationally (same basis as /rankings/largest); and #202 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.54% net worth ratio and 0.78% delinquency rate are the key drivers.
How does Cabot Community compare to other credit unions?
Cabot Community scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Cabot Community?
Membership eligibility for Cabot Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cabot Community directly for current membership requirements and application steps.
Is my money safe at Cabot Community?
Federal credit unions like Cabot Community 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. Cabot Community's net worth ratio of 16.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cabot Community offer compared to banks?
Credit unions like Cabot Community 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 Cabot Community 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.