State credit union · DEL RIO, Texas · NCUA charter #67531
Del Rio S.P.
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $3.3M
- Total assets
- 768
- Members
- 36.2%
- Net-worth ratio
Del Rio S.P. scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.3M; members 768; net-worth ratio 36.23%; health rank #4,171 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,171 of 4,374 health · 2025Q4Del Rio S.P. · health 55/100 · $3.3M · 2025Q4
- CAMELS 55/100
- HEALTH 36.2%
- NW 3.75%
- DELQ -0.25%
- ROA $3.3M
- ASSETS 768
- MEM #4,171/4,374
- RANK n/a
- PHOTO 67531
Call Report peers
Del Rio S.P. carries $3.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Del Rio S.P. 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
55 4th percentile higher than 4% 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
Del Rio S.P. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67531. See our deposit-insurance coverage note.
Peer-gap read for Del Rio S.P.
- Net Worth Ratio leads the peer set - 36.23% here, 19.06% peer average (+17.17 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.94 pp (3.75% vs 1.81%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Del Rio S.P. sits in Texas
- In Texas, health place is #368 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Del Rio S.P. is #361 of 386 in Texas.
- Membership ranks #337 of 386 among Texas CUs with a reported count (768 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Del Rio S.P. Call Report trajectory
Del Rio S.P.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $3.3M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -0.55 pp (36.78% → 36.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
36.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.6 pts
- Return on Assets 2.2 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 13.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.23% | +17.17 pp |
| Delinquency Rate | 3.75% | +1.94 pp |
| Return on Assets | -0.25% | -0.70 pp |
| Member Growth | -0.52% | - |
| Loan-to-Share Ratio | 63.05% | -0.55 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.3M | 768 |
| 2024Q4 | $3.5M | 772 |
| 2023Q4 | $3.5M | 752 |
Credit Union Details
- Charter Number
- 67531
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- DEL RIO
- Data Quarter
- 2025Q4
Branch Location
Del Rio S.P. operates a single office in Del Rio, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Del Rio S.P. Credit Union (Main Office) | Del Rio, 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.
Nationwide credit unions with similar profiles
Del Rio S.P.'s nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- Del Rio S.P. ranks #4,171 of 4,374 nationally on financial health and #368 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vidor Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vidor Teachers
- 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 Del Rio S.P. financially healthy?
Yes/no aside, the number is 55/100 (Fair) - Del Rio S.P.'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 #4,171 of 4,374; by total assets it ranks #4,020 of 4,374 nationally (same basis as /rankings/largest); and #361 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 36.23% net worth ratio and 3.75% delinquency rate are the key drivers.
How does Del Rio S.P. compare to other credit unions?
Five weighted metrics from NCUA filings produce Del Rio S.P.'s 55/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Del Rio S.P.?
Membership eligibility for Del Rio S.P. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Del Rio S.P. directly for current membership requirements and application steps.
Is my money safe at Del Rio S.P.?
Federal credit unions like Del Rio S.P. 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. Del Rio S.P.'s net worth ratio of 36.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Del Rio S.P. offer compared to banks?
Credit unions like Del Rio S.P. 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 Del Rio S.P. 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.