State credit union · Beaumont, Texas · NCUA charter #60409
COBURN
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $5.6M
- Total assets
- 941
- Members
- 22.9%
- Net-worth ratio
COBURN scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 941; net-worth ratio 22.94%; health rank #2,807 of 4,374; healthier than 33rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,807 of 4,374 health · 2025Q4COBURN · health 79/100 · $5.6M · 2025Q4
Call Report peers
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COBURN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COBURN sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
COBURN vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 68.82% here, 63.60% peer average (+5.22 pp).
- Largest lag: Delinquency Rate at 2.01% vs peer 1.81% (+0.20 pp).
COBURN: in-state Call Report ranks
- Texas health ordinal: #253 of 386.
- Texas assets place: #338 of 386.
- Membership ranks #323 of 386 among Texas CUs with a reported count (941 members).
- One place up in Texas, Employees United (#252) ties at 79/100; one place down, Heritage Hub (#254) ties at 79/100.
COBURN: 2025Q4 → 2026Q1
COBURN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +14.8% from $5.6M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted -2.94 pp (25.88% → 22.94%).
This credit union's 22.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
COBURN gives up 21 points in total. Delinquency Rate costs the most, 12.6 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.4 pts
- Return on Assets 13.7 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 15.0 pts
COBURN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.94% | +3.88 pp |
| Delinquency Rate | 2.01% | +0.20 pp |
| Return on Assets | 0.42% | -0.04 pp |
| Member Growth | -0.63% | - |
| Loan-to-Share Ratio | 68.82% | +5.22 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - COBURN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.4M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for COBURN.
| Office | City |
|---|---|
| Coburn Credit Union (Main Office) | Beaumont, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
COBURN nationwide neighbourhoods
Using this data
- COBURN ranks #2,807 of 4,374 nationally on financial health and #253 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port of Houston Warehouse is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port of Houston Warehouse
Frequently Asked Questions
Is COBURN financially healthy?
COBURN has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,807 of 4,374 nationally on health and #253 of 386 in Texas. Its net worth ratio is 22.94% and its delinquency rate 2.01%.
How does COBURN compare to other credit unions?
COBURN scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (68.82% vs 63.60%). Its widest shortfall is delinquency rate (2.01% vs 1.81%).
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?
COBURN is a state-chartered 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. COBURN's net worth ratio of 22.94% 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.