Federal credit union · San Antonio, Texas · NCUA charter #3710
City Public Service/ibew
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $55.4M
- Total assets
- 3,898
- Members
- 13.4%
- Net-worth ratio
City Public Service/ibew - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3710: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
City Public Service/ibew - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)78
- Earnings (ROA)97
- Member growth58
- Liquidity (loan-to-share)67
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.35% | 30% |
| Delinquency Rate | 1.06% | 25% |
| Return on Assets | 0.47% | 15% |
| Member Growth | -0.13% | 15% |
| Loan-to-Share Ratio | 44.20% | 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 | $55.4M | 3,898 |
| 2024Q4 | $51.6M | 3,903 |
| 2023Q4 | $46.3M | 3,867 |
Credit Union Details
- Charter Number
- 3710
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
What This Data Says About City Public Service/ibew
Headquartered in San Antonio, Texas, City Public Service/ibew is a federal credit union with 3,898 members, $55.4M in total assets, and $21.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 13.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #3710 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 44.20% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.06% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at 0.47% on net income of $261K 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 -0.13%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); 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.
- BIG SPRING EDUCATION EMPLOYEESBIG SPRING, TX · $50M–$100M81Health
- MYHaslet, TX · $50M–$100M86Health
- HEART O' TEXASWaco, TX · $50M–$100M57Health
- LIFETIMERichardson, TX · $50M–$100M64Health
- BAPTISTSan Antonio, TX · $50M–$100M81Health
Compare City Public Service/ibew vs BIG SPRING EDUCATION EMPLOYEES
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 Public Service/ibew financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - City Public Service/ibew's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.35% net worth ratio and 1.06% delinquency rate are the key drivers.
How does City Public Service/ibew compare to other credit unions?
83/100 is City Public Service/ibew's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Public Service/ibew?
City Public Service/ibew operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact City Public Service/ibew directly for the exact boundaries and application steps.
Is my money safe at City Public Service/ibew?
Federal credit unions like City Public Service/ibew 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 Public Service/ibew's net worth ratio of 13.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does City Public Service/ibew offer compared to banks?
Credit unions like City Public Service/ibew 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 Public Service/ibew 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.