Federal credit union · SAN ANGELO, Texas · NCUA charter #4684
Concho Educators
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $99.8M
- Total assets
- 6,716
- Members
- 11.5%
- Net-worth ratio
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 - 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)85
- Earnings (ROA)91
- Member growth65
- Liquidity (loan-to-share)94
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.48% | 30% |
| Delinquency Rate | 0.88% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | 0.66% | 15% |
| Loan-to-Share Ratio | 65.86% | 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 | $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
What This Data Says About Concho Educators
Concho Educators is a federal credit union headquartered in SAN ANGELO, Texas, serving 6,716 members with $99.8M in total assets and $59.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 11.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #4684 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.88% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 65.86% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.41% on net income of $409K 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 0.66%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group 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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.48% 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 11.48% 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.
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.