Federal credit union · SAN ANGELO, Texas · NCUA charter #4684
Concho Educators
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $99.8M
- Total assets
- 6,716
- Members
- 11.4%
- Net-worth ratio
Concho Educators scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $99.8M; members 6,716; net-worth ratio 11.40%; health rank #1,285 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,285 of 4,374 health · 2025Q4Concho Educators · health 89/100 · $99.8M · 2025Q4
- NW 89/100
- DELQ 11.4%
- ROA 0.88%
- ASSETS 0.41%
- MEM $99.8M
- RANK 6,716
- PHOTO #1,285/4,374
- BOOK RAILROAD
- CHARTER 4684
Call Report peers
Concho Educators in the assets neighbourhood
Concho Educators's $99.8M assets sit next to RAILROAD ($99.8M) 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.
Concho Educators 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
89 Top 31% higher than 69% 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
Concho Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4684: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Concho Educators vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +3.26 pp (65.86% vs 62.60%).
- Net Worth Ratio trails the peer set - 11.40% here, 13.62% peer average (-2.22 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Concho Educators
- In Texas, health place is #119 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Concho Educators is #144 of 386 in Texas.
- Membership ranks #156 of 386 among Texas CUs with a reported count (6,716 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Concho Educators: 2025Q4 → 2026Q1
Concho Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $99.8M (2025Q4) to $100.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (11.48% → 11.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.40% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 13.6 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | -2.22 pp |
| Delinquency Rate | 0.88% | -0.09 pp |
| Return on Assets | 0.41% | -0.25 pp |
| Member Growth | 0.66% | - |
| Loan-to-Share Ratio | 65.86% | +3.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.9M | - |
| 2025Q4 | $99.8M | 6,716 |
| 2024Q4 | $99.0M | 6,672 |
| 2023Q4 | $98.6M | 6,690 |
Credit Union Details
- Charter Number
- 4684
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- SAN ANGELO
- Data Quarter
- 2025Q4
Branch Locations (3)
Concho Educators operates 3 offices in San Angelo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Concho Educators FCU (Main Office) | San Angelo, TX |
| Beauregard Office | San Angelo, TX |
| North Branch | San Angelo, 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
Two NCUA Call Report peer sets for Concho Educators, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($99.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Concho Educators ranks #1,285 of 4,374 nationally on financial health and #119 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Dps is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Dps
- 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 Concho Educators financially healthy?
Concho Educators has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,285 of 4,374; by total assets it ranks #1,822 of 4,374 nationally (same basis as /rankings/largest); and #144 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 11.40% and delinquency rate of 0.88%.
How does Concho Educators compare to other credit unions?
89/100 is Concho Educators'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 Concho Educators?
Concho Educators 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 Concho Educators directly for the exact boundaries and application steps.
Is my money safe at Concho Educators?
Federal credit unions like Concho Educators 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. Concho Educators's net worth ratio of 11.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Concho Educators offer compared to banks?
Credit unions like Concho Educators 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 Concho Educators 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.