State credit union · DENTON, Texas · NCUA charter #67535
DATCU
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.75B
- Total assets
- 111,860
- Members
- 17.0%
- Net-worth ratio
DATCU scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.75B; members 111,860; net-worth ratio 17.04%; health rank #894 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#894 of 4,374 health · 2025Q4DATCU · health 91/100 · $1.75B · 2025Q4
- BOOK 91/100
- CHARTER 17.0%
- NCUSIF 0.17%
- CAMELS 1.22%
- HEALTH $1.75B
- NW 111,860
- DELQ #894/4,374
- ROA KEMBA
- ASSETS 67535
Call Report peers
DATCU in the assets neighbourhood
DATCU's $1.75B assets sit next to KEMBA ($1.75B) 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.
DATCU 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
91 Top 23% higher than 77% 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
DATCU - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67535, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
DATCU vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 103.35% here, 83.90% peer average (+19.45 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
DATCU in Texas
- In Texas, health place is #84 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, DATCU is #20 of 386 in Texas.
- Member book place in Texas: #20 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.
DATCU: 2025Q4 → 2026Q1
DATCU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $1.75B (2025Q4) to $1.77B (2026Q1).
- Net-worth ratio shifted +0.16 pp (16.88% → 17.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 9.6 pts
DATCU health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.04% | +5.86 pp |
| Delinquency Rate | 0.17% | -0.70 pp |
| Return on Assets | 1.22% | +0.71 pp |
| Member Growth | 2.02% | - |
| Loan-to-Share Ratio | 103.35% | +19.45 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).
DATCU filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.77B | - |
| 2025Q4 | $1.75B | 111,860 |
| 2024Q4 | $1.63B | 109,642 |
| 2023Q4 | $1.57B | 107,932 |
Credit Union Details
- Charter Number
- 67535
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- DENTON
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, DATCU runs 16 offices in 12 different cities.
| Office | City |
|---|---|
| CORPORATE OFFICE (Main Office) | Corinth, TX |
| ARGYLE | Argyle, TX |
| AUBREY | AUBREY, TX |
| CORINTH | Corinth, TX |
| DECATUR | DECATUR, TX |
| DENTON EAST | Denton, TX |
| DENTON SOUTH | DENTON, TX |
| DENTON WEST | Denton, TX |
| UNT | Denton, TX |
| DENTON NORTH | Denton, TX |
| FLOWER MOUND | FLOWER MOUND, TX |
| GAINESVILLE | Gainesville, TX |
| Highland Village | Highland Village, TX |
| LEWISVILLE | LEWISVILLE, TX |
| SANGER | SANGER, TX |
| THE COLONY | THE COLONY, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for DATCU
Two NCUA Call Report peer sets for DATCU, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.75B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- DATCU ranks #894 of 4,374 nationally on financial health and #84 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Heritage
- 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 DATCU financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, DATCU carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #894 of 4,374; by total assets it ranks #286 of 4,374 nationally (same basis as /rankings/largest); and #20 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.04% net worth ratio and a 0.17% delinquency rate.
How does DATCU compare to other credit unions?
DATCU scores 91/100 on PlainCU's health composite, compared to a peer group average for Over $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 DATCU?
Membership eligibility for DATCU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DATCU directly for current membership requirements and application steps.
Is my money safe at DATCU?
Federal credit unions like DATCU 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. DATCU's net worth ratio of 17.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DATCU offer compared to banks?
Credit unions like DATCU 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 DATCU 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.