Federal credit union · San Antonio, Texas · NCUA charter #24382
Credit Human
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $4.52B
- Total assets
- 262,966
- Members
- 7.3%
- Net-worth ratio
Credit Human scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.52B; members 262,966; net-worth ratio 7.27%; health rank #3,894 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,894 of 4,374 health · 2025Q4Credit Human · health 65/100 · $4.52B · 2025Q4
Call Report peers
Credit Human in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Credit Human vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Credit Human sits in 65-69 with 275 others.
65 11th percentile higher than 11% 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
Peer-gap read for Credit Human
- Largest favorable gap: Loan-to-Share Ratio at 108.54% vs peer 83.90% (+24.64 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.91 pp (7.27% vs 11.18%).
Credit Human: in-state Call Report ranks
- Health composite ranks #339 of 386 among scored Texas credit unions.
- Assets rank #9 of 386 inside Texas ($4.52B reported).
- Member book place in Texas: #9 of 386.
- One place up in Texas, Unity One (#338) ties at 65/100; one place down, UNITED (#340) ties at 65/100.
How Credit Human's 5300 filing moved
Credit Human: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.0% from $4.52B (2025Q4) to $4.38B (2026Q1).
- Net-worth ratio shifted +0.15 pp (7.12% → 7.27%).
This credit union's 7.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Credit Human gives up 35 points in total. Return on Assets costs the most, 12.9 of its 15; Member Growth loses the least, 1.5.
- Net Worth Ratio 23.2 pts
- Delinquency Rate 19.0 pts
- Return on Assets 2.1 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 7.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.27% | -3.91 pp |
| Delinquency Rate | 1.13% | +0.26 pp |
| Return on Assets | -0.26% | -0.77 pp |
| Member Growth | 3.76% | - |
| Loan-to-Share Ratio | 108.54% | +24.64 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.38B | - |
| 2025Q4 | $4.52B | 262,966 |
| 2024Q4 | $4.35B | 253,435 |
| 2023Q4 | $4.18B | 239,505 |
Credit Union Details
- Charter Number
- 24382
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Locations (29)
Per its most recent NCUA branch filing, Credit Human runs 29 offices in 7 different cities across 4 states.
| Office | City |
|---|---|
| 1703 Broadway (Main Office) | San Antonio, TX |
| Buffalo Heights Financial Health Center | Cibolo, TX |
| Seattle | Federal Way, WA |
| Greensboro | Greensboro, NC |
| Fallbrook | Houston, TX |
| Live Oak Town Center Financial Health Center | Live oak, TX |
| Tulane Financial Health Center | New Orleans, LA |
| Oak Street Financial Health Center | New Orleans, LA |
| Freret Street Financial Health Center | New Orleans, LA |
| Elysian Fields Financial Health Center | New Orleans, LA |
| Magazine Street Financial Health Center | New Orleans, LA |
| Gentilly Financial Health Center | New Orleans, LA |
| Commercial Drive-In FHC | San Antonio, TX |
| Woodlawn Financial Health Center | San Antonio, TX |
| Shaenfield Financial Health Center | San Antonio, TX |
| Hackberry Market Financial Health Center | San Antonio, TX |
| Alamo Quarry Market Financial Health Center | San Antonio, TX |
| Bulverde Marketplace Financial Health Center | San Antonio, TX |
| The Vineyard Financial Health Center | San Antonio, TX |
| Alon Town Centre Financial Health Center | San Antonio, TX |
| 1703 Broadway Financial Health Center | San Antonio, TX |
| City Base Commons Financial Health Center | San Antonio, TX |
| University Heights Financial Health Center | San Antonio, TX |
| 211 Potranco Financial Health Center | San Antonio, TX |
| Dove Creek Highlands Financial Health Center | San Antonio, TX |
| McCreless Financial Health Center | San Antonio, TX |
| Southwest Military Plaza Financial Health Center | San Antonio, TX |
| Park Ten Financial Health Center | San Antonio, TX |
| Bandera Financial Health Center | San Antonio, 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.
Credit Human nationwide neighbourhoods
Using this data
- Credit Human ranks #3,894 of 4,374 nationally on financial health and #339 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GECU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GECU
Frequently Asked Questions
Is Credit Human financially healthy?
Credit Human has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,894 of 4,374 nationally on health and #339 of 386 in Texas. Its net worth ratio is 7.27% and its delinquency rate 1.13%.
How does Credit Human compare to other credit unions?
Credit Human scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (108.54% vs 83.90%). Its widest shortfall is net worth ratio (7.27% vs 11.18%).
How can I join Credit Human?
Credit Human serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Credit Human directly for the current list of qualifying groups.
Is my money safe at Credit Human?
Credit Human 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. Credit Human's net worth ratio of 7.27% 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.