State credit union · San Angelo, Texas · NCUA charter #67473
Concho Valley
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $25.0M
- Total assets
- 1,414
- Members
- 11.3%
- Net-worth ratio
Concho Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67473 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Concho Valley - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)78
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.33% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.64% | 15% |
| Member Growth | 0.28% | 15% |
| Loan-to-Share Ratio | 55.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $25.0M | 1,414 |
| 2024Q4 | $23.3M | 1,410 |
| 2023Q4 | $22.8M | 1,412 |
Credit Union Details
- Charter Number
- 67473
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- San Angelo
- Data Quarter
- 2025Q4
What This Data Says About Concho Valley
Concho Valley is a state credit union headquartered in San Angelo, Texas, serving 1,414 members with $25.0M in total assets and $12.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 91/100 (Excellent), anchored by a net worth ratio of 11.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67473 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.10% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 55.60% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.64% on net income of $159K 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 0.28%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match 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 Valley financially healthy?
A 11.33% net worth ratio and a 0.10% delinquency rate feed into Concho Valley's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Concho Valley compare to other credit unions?
Concho Valley scores 91/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Concho Valley?
Membership eligibility for Concho Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Concho Valley directly for current membership requirements and application steps.
Is my money safe at Concho Valley?
Federal credit unions like Concho Valley 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 Valley's net worth ratio of 11.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Concho Valley offer compared to banks?
Credit unions like Concho Valley 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 Valley 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.