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
Call Report peers
Concho Valley in the assets neighbourhood
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Concho Valley vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Concho Valley sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Southwest Research Center (#90) ties at 91/100; one place down, Postel Family (#92) ties at 91/100.
Concho Valley: 2025Q4 → 2026Q1
Concho Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $25.0M (2025Q4) to $25.6M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.33% → 11.26%).
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
Concho Valley gives up 9 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Concho Valley financially healthy?
On its 2025Q4 NCUA 5300 filing, Concho Valley scores 91/100 (Excellent), with a 11.26% net worth ratio and 0.10% of loans delinquent. It ranks #954 of 4,374 nationally on health and #91 of 386 in Texas.
How does Concho Valley compare to other credit unions?
Concho Valley scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.10% vs 1.15%). Its widest shortfall is loan-to-share ratio (55.60% vs 59.80%).
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?
Concho Valley is a state-chartered 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 Valley's net worth ratio of 11.26% 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.