Federal credit union · AMARILLO, Texas · NCUA charter #5665
CITY
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $84.1M
- Total assets
- 2,796
- Members
- 16.2%
- Net-worth ratio
CITY scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $84.1M; members 2,796; net-worth ratio 16.23%; health rank #4,222 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,222 of 4,374 health · 2025Q4CITY · health 53/100 · $84.1M · 2025Q4
Call Report peers
CITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CITY sits in 50-54 with 82 others.
53 3rd percentile higher than 3% 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
Where CITY diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 103.20% vs peer 62.60% (+40.60 pp).
- Return on Assets trails the peer set - -3.09% here, 0.66% peer average (-3.75 pp).
CITY in Texas
- Health composite ranks #375 of 386 among scored Texas credit unions.
- By total assets, CITY is #161 of 386 in Texas.
- Member book place in Texas: #222 of 386.
- One place up in Texas, Seminole Public Schools (#374) ties at 53/100; one place down, Frio County (#376) scores 52/100, 1 point lower.
CITY Call Report trajectory
CITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $84.1M (2025Q4) to $84.8M (2026Q1).
- Net-worth ratio shifted -0.28 pp (16.51% → 16.23%).
This credit union's 16.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
CITY gives up 47 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.9 pts
CITY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.23% | +2.61 pp |
| Delinquency Rate | 1.78% | +0.82 pp |
| Return on Assets | -3.09% | -3.75 pp |
| Member Growth | -39.16% | - |
| Loan-to-Share Ratio | 103.20% | +40.60 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - CITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.8M | - |
| 2025Q4 | $84.1M | 2,796 |
| 2024Q4 | $108.4M | 4,596 |
| 2023Q4 | $111.9M | 4,906 |
Credit Union Details
- Charter Number
- 5665
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Texas
- City
- AMARILLO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for CITY, spread across 2 cities.
| Office | City |
|---|---|
| CITY FEDERAL CREDIT UNION (Main Office) | AMARILLO, TX |
| Soncy Branch | Amarillo, 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.
Other-state peers near CITY
Similar total assets
Using this data
- CITY ranks #4,222 of 4,374 nationally on financial health and #375 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Irving City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Irving City Employees
Frequently Asked Questions
Is CITY financially healthy?
On its 2025Q4 NCUA 5300 filing, CITY scores 53/100 (Fair), with a 16.23% net worth ratio and 1.78% of loans delinquent. It ranks #4,222 of 4,374 nationally on health and #375 of 386 in Texas.
How does CITY compare to other credit unions?
CITY scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (103.20% vs 62.60%). Its widest shortfall is return on assets (-3.09% vs 0.66%).
How can I join CITY?
CITY serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact CITY directly for the current list of qualifying groups.
Is my money safe at CITY?
CITY is a federal 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. CITY's net worth ratio of 16.23% 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.