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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Del Rio S.P. sits in 55-59 with 115 others.
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
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%).
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).
- One place up in Texas, ROCKET (#367) scores 57/100, 2 points higher; one place down, REED (#369) ties at 55/100.
Del Rio S.P. Call Report trajectory
Del Rio S.P.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $3.3M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -0.55 pp (36.78% → 36.23%).
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
Del Rio S.P. gives up 45 points in total. Delinquency Rate costs the most, 23.4 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Del Rio S.P. financially healthy?
Del Rio S.P. has a financial health score of 55/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,171 of 4,374 nationally on health and #368 of 386 in Texas. Its net worth ratio is 36.23% and its delinquency rate 3.75%.
How does Del Rio S.P. compare to other credit unions?
Del Rio S.P. scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (36.23% vs 19.06%). Its widest shortfall is delinquency rate (3.75% vs 1.81%).
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.?
Del Rio S.P. 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. Del Rio S.P.'s net worth ratio of 36.23% 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.