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.
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NCUA 5300 Call Report Masthead
#2,355 of 4,374 health · 2025Q4Credit Union of Texas · health 83/100 · $2.68B · 2025Q4
Call Report peers
Credit Union of Texas in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Credit Union of Texas sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Energy Capital (#211) ties at 83/100; one place down, Trinity Valley Teachers (#213) scores 82/100, 1 point lower.
Credit Union of Texas Call Report trajectory
Credit Union of Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $2.68B (2025Q4) to $2.72B (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.38% → 8.31%).
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
Credit Union of Texas gives up 17 points in total. Delinquency Rate costs the most, 10.7 of its 25; Member Growth scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Credit Union of Texas financially healthy?
On its 2025Q4 NCUA 5300 filing, Credit Union of Texas scores 83/100 (Excellent), with a 8.31% net worth ratio and 1.75% of loans delinquent. It ranks #2,355 of 4,374 nationally on health and #212 of 386 in Texas.
How does Credit Union of Texas compare to other credit unions?
Credit Union of Texas scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.76% vs 83.90%). Its widest shortfall is net worth ratio (8.31% vs 11.18%).
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?
Credit Union of Texas 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. Credit Union of Texas's net worth ratio of 8.31% 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.