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.
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Centex Citizens vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Centex Citizens sits in 100 with 34 others.
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: 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%).
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).
- One place up in Texas, MUSICIANS (#1) ties at 100/100; one place down, Mountain Star (#3) scores 99/100, 1 point lower.
Centex Citizens: 2025Q4 → 2026Q1
Centex Citizens: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $114.1M (2025Q4) to $117.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (17.24% → 16.95%).
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
Every pillar scores full marks, so all five contribute their maximum.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Centex Citizens financially healthy?
On its 2025Q4 NCUA 5300 filing, Centex Citizens scores 100/100 (Excellent), with a 16.95% net worth ratio and 0.31% of loans delinquent. It ranks #9 of 4,374 nationally on health and #2 of 386 in Texas.
How does Centex Citizens compare to other credit unions?
Centex Citizens scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.95% vs 12.11%). Its widest shortfall is loan-to-share ratio (71.37% vs 72.20%).
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?
Centex Citizens is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.