State credit union · Mexia, Texas · NCUA charter #67416
Centex Citizens
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $114.1M
- Total assets
- 15,489
- Members
- 17.0%
- Net-worth ratio
Centex Citizens scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $114.1M; members 15,489; net-worth ratio 16.95%; health rank #9 of 4,374; healthier than 99th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#9 of 4,374 health · 2025Q4Centex Citizens · health 100/100 · $114.1M · 2025Q4
- NW 100/100
- DELQ 17.0%
- ROA 0.31%
- ASSETS 1.12%
- MEM $114.1M
- RANK 15,489
- PHOTO #9/4,374
- BOOK HANCOCK
- CHARTER 67416
Centex Citizens in the assets neighbourhood
Centex Citizens's $114.1M assets sit next to HANCOCK ($114.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Centex Citizens 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
100 Top 1% higher than 99% 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
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: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 16.95% vs peer 12.11% (+4.84 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.83 pp (71.37% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Centex Citizens sits in Texas
- In Texas, health place is #2 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Centex Citizens is #136 of 386 in Texas.
- Membership ranks #97 of 386 among Texas CUs with a reported count (15,489 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.
Centex Citizens: 2025Q4 → 2026Q1
Centex Citizens: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $114.1M (2025Q4) to $117.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (17.24% → 16.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.95% | +4.84 pp |
| Delinquency Rate | 0.31% | -0.58 pp |
| Return on Assets | 1.12% | +0.50 pp |
| Member Growth | 37.90% | - |
| Loan-to-Share Ratio | 71.37% | -0.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $117.7M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Centex Citizens, spread across 3 cities.
| Office | City |
|---|---|
| Centex Citizens Credit Union Main Office (Main Office) | Mexia, TX |
| Centex Citizens Credit Union - Corsicana Branch | Corsicana, TX |
| Centex Citizens Credit Union Ennis Branch | Ennis, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Centex Citizens - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($114.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Centex Citizens ranks #9 of 4,374 nationally on financial health and #2 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEMBERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEMBERS
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #9 of 4,374; by total assets it ranks #1,720 of 4,374 nationally (same basis as /rankings/largest); and #136 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.95% 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 16.95% 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.
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.