Federal credit union · Abilene, Texas · NCUA charter #10706
Communities of Abilene
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $160.0M
- Total assets
- 11,200
- Members
- 10.7%
- Net-worth ratio
Communities of Abilene scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $160.0M; members 11,200; net-worth ratio 10.68%; health rank #820 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#820 of 4,374 health · 2025Q4Communities of Abilene · health 92/100 · $160.0M · 2025Q4
- DELQ 92/100
- ROA 10.7%
- ASSETS 0.27%
- MEM 0.42%
- RANK $160.0M
- PHOTO 11,200
- BOOK #820/4,374
- CHARTER Utah Heritage
- NCUSIF 10706
Call Report peers
Communities of Abilene in the assets neighbourhood
Communities of Abilene's $160.0M assets sit next to Utah Heritage ($159.7M) 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.
Communities of Abilene 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
92 Top 20% higher than 80% 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
Communities of Abilene - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10706, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Communities of Abilene vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.62 pp (0.27% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 63.80% vs peer 72.20% (-8.40 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Communities of Abilene: in-state Call Report ranks
- Health composite ranks #75 of 386 among scored Texas credit unions.
- Assets rank #118 of 386 inside Texas ($160.0M reported).
- Member book place in Texas: #123 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.
How Communities of Abilene's 5300 filing moved
Communities of Abilene: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $160.0M (2025Q4) to $161.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.72% → 10.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.8 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 13.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.68% | -1.43 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | 0.49% | - |
| Loan-to-Share Ratio | 63.80% | -8.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Communities of Abilene quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $161.7M | - |
| 2025Q4 | $160.0M | 11,200 |
| 2024Q4 | $152.8M | 11,145 |
| 2023Q4 | $154.5M | 10,973 |
Credit Union Details
- Charter Number
- 10706
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Abilene
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Communities of Abilene runs 2 offices.
| Office | City |
|---|---|
| Main (Main Office) | Abilene, TX |
| Rolling Green | Abilene, 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.
Communities of Abilene nationwide neighbourhoods
Cross-state asset and health neighbours for Communities of Abilene - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($160.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Communities of Abilene ranks #820 of 4,374 nationally on financial health and #75 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chocolate Bayou Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chocolate Bayou Community
- 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 Communities of Abilene financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Communities of Abilene carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #820 of 4,374; by total assets it ranks #1,448 of 4,374 nationally (same basis as /rankings/largest); and #118 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.68% net worth ratio and a 0.27% delinquency rate.
How does Communities of Abilene compare to other credit unions?
Five weighted metrics from NCUA filings produce Communities of Abilene's 92/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Communities of Abilene?
Communities of Abilene 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 Communities of Abilene directly for the exact boundaries and application steps.
Is my money safe at Communities of Abilene?
Federal credit unions like Communities of Abilene 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. Communities of Abilene's net worth ratio of 10.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Communities of Abilene offer compared to banks?
Credit unions like Communities of Abilene 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 Communities of Abilene 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.