State credit union · Dallas, Texas · NCUA charter #67669
CITY
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $623.2M
- Total assets
- 34,196
- Members
- 11.9%
- Net-worth ratio
CITY scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $623.2M; members 34,196; net-worth ratio 11.88%; health rank #3,102 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,102 of 4,374 health · 2025Q4CITY · health 77/100 · $623.2M · 2025Q4
- MEM 77/100
- RANK 11.9%
- PHOTO 1.58%
- BOOK 0.54%
- CHARTER $623.2M
- NCUSIF 34,196
- CAMELS #3,102/4,374
- HEALTH Town & Country
- NW 67669
Call Report peers
CITY in the assets neighbourhood
CITY's $623.2M assets sit next to Town & Country ($623.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% 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
CITY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67669, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for CITY
- Net Worth Ratio leads the peer set - 11.88% here, 11.18% peer average (+0.70 pp).
- Loan-to-Share Ratio trails the peer set - 60.73% here, 83.90% peer average (-23.17 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CITY in Texas
- In Texas, health place is #273 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, CITY is #55 of 386 in Texas.
- Member book place in Texas: #63 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CITY Call Report trajectory
CITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $623.2M (2025Q4) to $630.5M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.85% → 11.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 12.5 pts
CITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.88% | +0.70 pp |
| Delinquency Rate | 1.58% | +0.71 pp |
| Return on Assets | 0.54% | +0.03 pp |
| Member Growth | -2.85% | - |
| Loan-to-Share Ratio | 60.73% | -23.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
CITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $630.5M | - |
| 2025Q4 | $623.2M | 34,196 |
| 2024Q4 | $639.5M | 35,198 |
| 2023Q4 | $676.7M | 35,381 |
Credit Union Details
- Charter Number
- 67669
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, CITY runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Cityview (Main Office) | Dallas, TX |
| East Dallas Branch | Dallas, TX |
| Duncanville | Duncanville, TX |
| Gainesville | Gainesville, TX |
| Sherman | Sherman, TX |
| Waxahachie | Waxahachie, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
CITY's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($623.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- CITY ranks #3,102 of 4,374 nationally on financial health and #273 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Union Square is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Union Square
- 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 CITY financially healthy?
CITY has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,102 of 4,374; by total assets it ranks #668 of 4,374 nationally (same basis as /rankings/largest); and #55 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.88% and delinquency rate of 1.58%.
How does CITY compare to other credit unions?
CITY scores 77/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 CITY?
Membership eligibility for CITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CITY directly for current membership requirements and application steps.
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 11.88% exceeds 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.
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.