State credit union · Beaumont, Texas · NCUA charter #60409
Coburn
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $5.6M
- Total assets
- 941
- Members
- 24.2%
- Net-worth ratio
Coburn - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60409. See our deposit-insurance coverage note.
Coburn - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)50
- Earnings (ROA)92
- Member growth52
- Liquidity (loan-to-share)98
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 24.17% 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 | 24.17% | 30% |
| Delinquency Rate | 2.01% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -0.63% | 15% |
| Loan-to-Share Ratio | 68.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.6M | 941 |
| 2024Q4 | $5.8M | 947 |
| 2023Q4 | $6.4M | 929 |
Credit Union Details
- Charter Number
- 60409
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Beaumont
- Data Quarter
- 2025Q4
What This Data Says About Coburn
Coburn is a state credit union headquartered in Beaumont, Texas, serving 941 members with $5.6M in total assets and $2.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 79/100 (Very Good), anchored by a net worth ratio of 24.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60409 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 2.01% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 68.82% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.42% on net income of $23K 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 -0.63%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
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 Coburn financially healthy?
Coburn scores 79/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.17% net worth ratio and a 2.01% delinquency rate.
How does Coburn compare to other credit unions?
Coburn scores 79/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Coburn?
Membership eligibility for Coburn depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Coburn directly for current membership requirements and application steps.
Is my money safe at Coburn?
Federal credit unions like Coburn 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. Coburn's net worth ratio of 24.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coburn offer compared to banks?
Credit unions like Coburn 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 Coburn 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.