Federal credit union · AMARILLO, Texas · NCUA charter #5665
City
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $84.1M
- Total assets
- 2,796
- Members
- 6.4%
- Net-worth ratio
City - Share Insurance Coverage
Charter #5665'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.
City - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)60
- Asset quality (delinquency)57
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)62
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.40% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.40% | 30% |
| Delinquency Rate | 1.78% | 25% |
| Return on Assets | -3.09% | 15% |
| Member Growth | -39.16% | 15% |
| Loan-to-Share Ratio | 103.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About City
Charter #5665, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's City, a federal credit union in AMARILLO, Texas with 2,796 members, $84.1M in total assets, and $72.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 41/100 (Below Average), helped by a net worth ratio of 6.40% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.78% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 103.20% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -3.09% on net income of $-2601962 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 -39.16%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 City financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, City carries a financial health score of 41/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.40% net worth ratio and a 1.78% delinquency rate.
How does City compare to other credit unions?
Five weighted metrics from NCUA filings produce City's 41/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like City 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. City's net worth ratio of 6.40% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does City offer compared to banks?
Credit unions like City 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 City 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.