State credit union · Brownwood, Texas · NCUA charter #67602
Cen Tex Manufacturing
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $15.6M
- Total assets
- 1,281
- Members
- 21.5%
- Net-worth ratio
Cen Tex Manufacturing scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.6M; members 1,281; net-worth ratio 21.47%; health rank #3,047 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,047 of 4,374 health · 2025Q4Cen Tex Manufacturing · health 77/100 · $15.6M · 2025Q4
- BOOK 77/100
- CHARTER 21.5%
- NCUSIF 1.41%
- CAMELS 1.15%
- HEALTH $15.6M
- NW 1,281
- DELQ #3,047/4,374
- ROA The Way
- ASSETS 67602
Call Report peers
Cen Tex Manufacturing in the assets neighbourhood
Cen Tex Manufacturing's $15.6M assets sit next to The Way ($15.6M) 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.
Cen Tex Manufacturing 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
77 28th percentile higher than 28% 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
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.
Where Cen Tex Manufacturing diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +14.12 pp (73.92% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +0.26 pp (1.41% vs 1.15%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cen Tex Manufacturing: in-state Call Report ranks
- Texas health ordinal: #267 of 386.
- Assets rank #276 of 386 inside Texas ($15.6M reported).
- Membership ranks #300 of 386 among Texas CUs with a reported count (1,281 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 Cen Tex Manufacturing
Cen Tex Manufacturing: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $15.6M (2025Q4) to $15.4M (2026Q1).
- Net-worth ratio shifted +0.39 pp (21.08% → 21.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Cen Tex Manufacturing vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.47% | +6.61 pp |
| Delinquency Rate | 1.41% | +0.26 pp |
| Return on Assets | 1.15% | +0.44 pp |
| Member Growth | -6.22% | - |
| Loan-to-Share Ratio | 73.92% | +14.12 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).
Cen Tex Manufacturing filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.4M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Cen Tex Manufacturing runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Cen-Tex Manufacturing Credit Union (Main Office) | Brownwood, TX |
| Vital Records Center | Frisco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cen Tex Manufacturing nationwide neighbourhoods
Two NCUA Call Report peer sets for Cen Tex Manufacturing, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Cen Tex Manufacturing ranks #3,047 of 4,374 nationally on financial health and #267 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REED
- 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 Cen Tex Manufacturing financially healthy?
A 21.47% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,047 of 4,374; by total assets it ranks #3,306 of 4,374 nationally (same basis as /rankings/largest); and #276 of 386 within Texas. 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 21.47% 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.
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.