State credit union · Allen, Texas · NCUA charter #66327
Credit Union of Texas
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $2.68B
- Total assets
- 180,444
- Members
- 8.3%
- Net-worth ratio
Credit Union of Texas scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.68B; members 180,444; net-worth ratio 8.31%; health rank #2,355 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,355 of 4,374 health · 2025Q4Credit Union of Texas · health 83/100 · $2.68B · 2025Q4
- HEALTH 83/100
- NW 8.3%
- DELQ 1.75%
- ROA 0.35%
- ASSETS $2.68B
- MEM 180,444
- RANK #2,355/4,374
- PHOTO TTCU
- BOOK 66327
Call Report peers
Credit Union of Texas in the assets neighbourhood
Credit Union of Texas's $2.68B assets sit next to TTCU ($2.69B) 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 Union of Texas 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
83 46th percentile higher than 46% 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 Union of Texas - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66327, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Credit Union of Texas diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.76% here, 83.90% peer average (+6.86 pp).
- Largest lag: Net Worth Ratio at 8.31% vs peer 11.18% (-2.87 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Credit Union of Texas
- Health composite ranks #212 of 386 among scored Texas credit unions.
- Assets rank #12 of 386 inside Texas ($2.68B reported).
- Texas membership ordinal: #13 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.
Credit Union of Texas Call Report trajectory
Credit Union of Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $2.68B (2025Q4) to $2.72B (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.38% → 8.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 14.3 pts
- Return on Assets 12.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
Credit Union of Texas health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.31% | -2.87 pp |
| Delinquency Rate | 1.75% | +0.88 pp |
| Return on Assets | 0.35% | -0.16 pp |
| Member Growth | 6.77% | - |
| Loan-to-Share Ratio | 90.76% | +6.86 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 | $2.72B | - |
| 2025Q4 | $2.68B | 180,444 |
| 2024Q4 | $2.54B | 169,000 |
| 2023Q4 | $2.50B | 165,920 |
Credit Union Details
- Charter Number
- 66327
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Allen
- Data Quarter
- 2025Q4
Branch Locations (26)
Per its most recent NCUA branch filing, Credit Union of Texas runs 26 offices in 19 different cities.
| Office | City |
|---|---|
| Credit Union of Texas Allen (Main Office) | Allen, TX |
| Bethany Branch | Allen, TX |
| Allen HS Smart Branch | Allen, TX |
| Bonham Branch | Bonham, TX |
| Ross Branch | Dallas, TX |
| Hampton Branch | Dallas, TX |
| DeSoto Branch | DeSoto, TX |
| Frisco Branch | Frisco, TX |
| North Garland Branch | Garland, TX |
| Gilmer Hwy 271 Branch | Gilmer, TX |
| Gilmer Town Square Branch | Gilmer, TX |
| Gilmer HS Smart Branch | Gilmer, TX |
| Valley Ranch Branch | Irving, TX |
| Kilgore Branch | Kilgore, TX |
| Castle Hills Branch | Lewisville, TX |
| Little Elm High School Branch | Little Elm, TX |
| McKinney Branch | McKinney, TX |
| District 121 Branch | McKinney, TX |
| Mesquite Branch | Mesquite, TX |
| Paris Branch | Paris, TX |
| Berkner HS Smart Branch | Richardson, TX |
| West Richardson | Richardson, TX |
| Rockwall | Rockwall, TX |
| Sulphur Springs Branch | Sulphur Springs, TX |
| Independence Park | Tyler, TX |
| Wylie | Wylie, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Credit Union of Texas nationwide neighbourhoods
Cross-state asset and health neighbours for Credit Union of Texas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.68B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Credit Union of Texas ranks #2,355 of 4,374 nationally on financial health and #212 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JSC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JSC
- 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 Union of Texas financially healthy?
Credit Union of Texas has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,355 of 4,374; by total assets it ranks #188 of 4,374 nationally (same basis as /rankings/largest); and #12 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.31% and delinquency rate of 1.75%.
How does Credit Union of Texas compare to other credit unions?
On PlainCU's health composite, Credit Union of Texas lands at 83/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Credit Union of Texas?
Membership eligibility for Credit Union of Texas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of Texas directly for current membership requirements and application steps.
Is my money safe at Credit Union of Texas?
Federal credit unions like Credit Union of Texas 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 Union of Texas's net worth ratio of 8.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Texas offer compared to banks?
Credit unions like Credit Union of Texas 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 Union of Texas 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.