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.
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NCUA 5300 Call Report Masthead
#1,285 of 4,374 health · 2025Q4Concho Educators · health 89/100 · $99.8M · 2025Q4
Call Report peers
Concho Educators in the assets neighbourhood
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
Concho Educators sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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).
- One place up in Texas, J.C.T. (#118) ties at 89/100; one place down, Houston Highway (#120) ties at 89/100.
Concho Educators: 2025Q4 → 2026Q1
Concho Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $99.8M (2025Q4) to $100.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (11.48% → 11.40%).
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
Concho Educators gives up 11 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Concho Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, Concho Educators scores 89/100 (Excellent), with a 11.40% net worth ratio and 0.88% of loans delinquent. It ranks #1,285 of 4,374 nationally on health and #119 of 386 in Texas.
How does Concho Educators compare to other credit unions?
Concho Educators scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (65.86% vs 62.60%). Its widest shortfall is net worth ratio (11.40% vs 13.62%).
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?
Concho Educators is a federal 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. Concho Educators's net worth ratio of 11.40% 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.