State credit union · Corpus Christi, Texas · NCUA charter #67485
Corpus Christi S.p.
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $4.9M
- Total assets
- 630
- Members
- 13.7%
- Net-worth ratio
Corpus Christi S.p. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67485. See our deposit-insurance coverage note.
Corpus Christi S.p. - 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)50
- Earnings (ROA)81
- Member growth66
- Liquidity (loan-to-share)80
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.74% 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 | 13.74% | 30% |
| Delinquency Rate | 1.99% | 25% |
| Return on Assets | 0.31% | 15% |
| Member Growth | 0.80% | 15% |
| Loan-to-Share Ratio | 96.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.9M | 630 |
| 2024Q4 | $4.9M | 625 |
| 2023Q4 | $4.4M | 624 |
Credit Union Details
- Charter Number
- 67485
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Corpus Christi
- Data Quarter
- 2025Q4
What This Data Says About Corpus Christi S.p.
Headquartered in Corpus Christi, Texas, Corpus Christi S.p. is a state credit union with 630 members, $4.9M in total assets, and $4.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 13.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67485 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 96.65% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.99% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 0.31% on net income of $15K 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 0.80%. 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: Other). 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
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
- FARMERS BRANCH CITY EMPLOYEESFARMERS BRANCH, TX · $2M–$10M62Health
- MIDWESTERN STATE UNIVERSITYWichita Falls, TX · $2M–$10M93Health
- REDEEMERPlano, TX · $2M–$10M50Health
- PAMPA MUNICIPALPampa, TX · $2M–$10M73Health
- FRIO COUNTYPearsall, TX · $2M–$10M52Health
Compare Corpus Christi S.p. vs FARMERS BRANCH CITY EMPLOYEES
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 Corpus Christi S.p. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Corpus Christi S.p. carries a financial health score of 77/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.74% net worth ratio and a 1.99% delinquency rate.
How does Corpus Christi S.p. compare to other credit unions?
Five weighted metrics from NCUA filings produce Corpus Christi S.p.'s 77/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Corpus Christi S.p.?
Membership eligibility for Corpus Christi S.p. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Corpus Christi S.p. directly for current membership requirements and application steps.
Is my money safe at Corpus Christi S.p.?
Federal credit unions like Corpus Christi S.p. 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. Corpus Christi S.p.'s net worth ratio of 13.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Corpus Christi S.p. offer compared to banks?
Credit unions like Corpus Christi S.p. 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 Corpus Christi S.p. 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.