State credit union · Mexia, Texas · NCUA charter #67416
Centex Citizens
Health score 100/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $114.1M
- Total assets
- 15,489
- Members
- 17.2%
- Net-worth ratio
Centex Citizens - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67416. See our deposit-insurance coverage note.
Centex Citizens - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 100/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.24% | 30% |
| Delinquency Rate | 0.31% | 25% |
| Return on Assets | 1.12% | 15% |
| Member Growth | 37.90% | 15% |
| Loan-to-Share Ratio | 71.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $114.1M | 15,489 |
| 2024Q4 | $103.5M | 11,232 |
| 2023Q4 | $101.6M | 9,998 |
Credit Union Details
- Charter Number
- 67416
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Mexia
- Data Quarter
- 2025Q4
What This Data Says About Centex Citizens
15,489 members and $114.1M in total assets sit behind Centex Citizens, a state credit union in Mexia, Texas, which posts a health score of 100/100 (Excellent) on the five-factor composite, with $66.9M in outstanding loans as of Q4 2025 and a net worth ratio of 17.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67416 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.31% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 71.37% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.12% on net income of $1.3M 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 37.90%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Centex Citizens financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Centex Citizens carries a financial health score of 100/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.24% net worth ratio and a 0.31% delinquency rate.
How does Centex Citizens compare to other credit unions?
PlainCU's health composite puts Centex Citizens at 100/100, compared to a peer group average for $100M–$500M 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 Centex Citizens?
Membership eligibility for Centex Citizens depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Centex Citizens directly for current membership requirements and application steps.
Is my money safe at Centex Citizens?
Federal credit unions like Centex Citizens 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. Centex Citizens's net worth ratio of 17.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Centex Citizens offer compared to banks?
Credit unions like Centex Citizens 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 Centex Citizens 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.