Federal credit union · Houston, Texas · NCUA charter #11452
CY-FAIR
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $383.5M
- Total assets
- 26,076
- Members
- 9.3%
- Net-worth ratio
CY-FAIR scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $383.5M; members 26,076; net-worth ratio 9.31%; health rank #1,714 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,714 of 4,374 health · 2025Q4CY-FAIR · health 87/100 · $383.5M · 2025Q4
- RANK 87/100
- PHOTO 9.3%
- BOOK 1.15%
- CHARTER 0.32%
- NCUSIF $383.5M
- CAMELS 26,076
- HEALTH #1,714/4,374
- NW Partnership Financial
- DELQ 11452
Call Report peers
CY-FAIR in the assets neighbourhood
CY-FAIR's $383.5M assets sit next to Partnership Financial ($384.0M) 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.
CY-FAIR 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
87 Top 40% higher than 60% 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
CY-FAIR - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11452. See our deposit-insurance coverage note.
Peer-gap read for CY-FAIR
- Net Worth Ratio trails the peer set - 9.31% here, 12.11% peer average (-2.80 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CY-FAIR sits in Texas
- Health composite ranks #153 of 386 among scored Texas credit unions.
- Assets rank #76 of 386 inside Texas ($383.5M reported).
- Texas membership ordinal: #75 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.
CY-FAIR Call Report trajectory
CY-FAIR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $383.5M (2025Q4) to $387.3M (2026Q1).
- Net-worth ratio shifted +0.30 pp (9.01% → 9.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 18.9 pts
- Return on Assets 12.3 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.4 pts
CY-FAIR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.31% | -2.80 pp |
| Delinquency Rate | 1.15% | +0.26 pp |
| Return on Assets | 0.32% | -0.30 pp |
| Member Growth | 2.58% | - |
| Loan-to-Share Ratio | 70.67% | -1.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - CY-FAIR
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $387.3M | - |
| 2025Q4 | $383.5M | 26,076 |
| 2024Q4 | $362.0M | 25,421 |
| 2023Q4 | $335.9M | 24,974 |
Credit Union Details
- Charter Number
- 11452
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for CY-FAIR, spread across 3 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Houston, TX |
| Skinner Branch | Cypress, TX |
| Towne Lake | Cypress, TX |
| Jones Branch | Houston, TX |
| Copperfield Branch | Houston, TX |
| Team Financial | Houston, TX |
| Prarie View | Prairie View, 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.
Cross-state Call Report peers for CY-FAIR
Cross-state asset and health neighbours for CY-FAIR - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($383.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- CY-FAIR ranks #1,714 of 4,374 nationally on financial health and #153 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Houston Texas Fire Fighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Houston Texas Fire Fighters
- 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 CY-FAIR financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - CY-FAIR's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,714 of 4,374; by total assets it ranks #893 of 4,374 nationally (same basis as /rankings/largest); and #76 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.31% net worth ratio and 1.15% delinquency rate are the key drivers.
How does CY-FAIR compare to other credit unions?
CY-FAIR scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 CY-FAIR?
CY-FAIR operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CY-FAIR directly for the exact boundaries and application steps.
Is my money safe at CY-FAIR?
Federal credit unions like CY-FAIR 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. CY-FAIR's net worth ratio of 9.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CY-FAIR offer compared to banks?
Credit unions like CY-FAIR 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 CY-FAIR 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.