State credit union · Brownwood, Texas · NCUA charter #67602
Cen Tex Manufacturing
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $15.6M
- Total assets
- 1,281
- Members
- 21.1%
- Net-worth ratio
Cen Tex Manufacturing - Share Insurance Coverage
Charter #67602's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Cen Tex Manufacturing - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)68
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.08% | 30% |
| Delinquency Rate | 1.41% | 25% |
| Return on Assets | 1.15% | 15% |
| Member Growth | -6.22% | 15% |
| Loan-to-Share Ratio | 73.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.6M | 1,281 |
| 2024Q4 | $14.0M | 1,366 |
| 2023Q4 | $13.6M | 1,375 |
Credit Union Details
- Charter Number
- 67602
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Brownwood
- Data Quarter
- 2025Q4
What This Data Says About Cen Tex Manufacturing
Headquartered in Brownwood, Texas, Cen Tex Manufacturing is a state credit union with 1,281 members, $15.6M in total assets, and $9.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 21.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67602 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 1.41% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 73.92% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.15% on net income of $179K 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 -6.22%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
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 Cen Tex Manufacturing financially healthy?
A 21.08% net worth ratio and a 1.41% delinquency rate feed into Cen Tex Manufacturing's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cen Tex Manufacturing compare to other credit unions?
PlainCU's health composite puts Cen Tex Manufacturing at 77/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Cen Tex Manufacturing?
Membership eligibility for Cen Tex Manufacturing depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cen Tex Manufacturing directly for current membership requirements and application steps.
Is my money safe at Cen Tex Manufacturing?
Federal credit unions like Cen Tex Manufacturing 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. Cen Tex Manufacturing's net worth ratio of 21.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cen Tex Manufacturing offer compared to banks?
Credit unions like Cen Tex Manufacturing 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 Cen Tex Manufacturing 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.