State credit union · San Angelo, Texas · NCUA charter #67473
Concho Valley
Health score 91/100, grade A (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 scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.0M; members 1,414; net-worth ratio 11.26%; health rank #954 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#954 of 4,374 health · 2025Q4Concho Valley · health 91/100 · $25.0M · 2025Q4
- MEM 91/100
- RANK 11.3%
- PHOTO 0.10%
- BOOK 0.64%
- CHARTER $25.0M
- NCUSIF 1,414
- CAMELS #954/4,374
- HEALTH La Terre
- NW 67473
Call Report peers
Concho Valley in the assets neighbourhood
Concho Valley's $25.0M assets sit next to La Terre ($25.1M) 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 Valley 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
91 Top 23% higher than 77% 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 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 vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.10% here, 1.15% peer average (-1.04 pp).
- Loan-to-Share Ratio trails the peer set - 55.60% here, 59.80% peer average (-4.20 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Concho Valley: in-state Call Report ranks
- Health composite ranks #91 of 386 among scored Texas credit unions.
- Texas assets place: #239 of 386.
- Member book place in Texas: #287 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.
Concho Valley: 2025Q4 → 2026Q1
Concho Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $25.0M (2025Q4) to $25.6M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.33% → 11.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 11.7 pts
Concho Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | -3.60 pp |
| Delinquency Rate | 0.10% | -1.04 pp |
| Return on Assets | 0.64% | -0.07 pp |
| Member Growth | 0.28% | - |
| Loan-to-Share Ratio | 55.60% | -4.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Concho Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.6M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Concho Valley.
| Office | City |
|---|---|
| Concho Valley Credit Union (Main Office) | San Angelo, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Concho Valley nationwide neighbourhoods
Cross-state asset and health neighbours for Concho Valley - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Concho Valley ranks #954 of 4,374 nationally on financial health and #91 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Shared Resources is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Shared Resources
- 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 Valley financially healthy?
A 11.26% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #954 of 4,374; by total assets it ranks #2,995 of 4,374 nationally (same basis as /rankings/largest); and #239 of 386 within Texas. 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 11.26% 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.
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.