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
- PHOTO 65/100
- BOOK 7.3%
- CHARTER 1.13%
- NCUSIF -0.26%
- CAMELS $4.52B
- HEALTH 262,966
- NW #3,894/4,374
- DELQ CONSUMERS
- ROA 24382
Call Report peers
Credit Human in the assets neighbourhood
Credit Human's $4.52B assets sit next to CONSUMERS ($4.50B) 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.
Credit Human 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
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
Credit Human - Share Insurance Coverage
Charter #24382's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Credit Human's 5300 filing moved
Credit Human: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.0% from $4.52B (2025Q4) to $4.38B (2026Q1).
- Net-worth ratio shifted +0.15 pp (7.12% → 7.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Credit Human - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
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
- 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 Credit Human financially healthy?
A 7.27% net worth ratio and a 1.13% delinquency rate feed into Credit Human's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,894 of 4,374; by total assets it ranks #107 of 4,374 nationally (same basis as /rankings/largest); and #9 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Credit Human compare to other credit unions?
PlainCU's health composite puts Credit Human at 65/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Credit Human 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. Credit Human's net worth ratio of 7.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Human offer compared to banks?
Credit unions like Credit Human 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 Credit Human 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.