State credit union · Nacogdoches, Texas · NCUA charter #62446
DOCHES
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $63.1M
- Total assets
- 11,606
- Members
- 13.6%
- Net-worth ratio
DOCHES scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.1M; members 11,606; net-worth ratio 13.61%; health rank #2,258 of 4,374; healthier than 46th of scored peers.
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NCUA 5300 Call Report Masthead
#2,258 of 4,374 health · 2025Q4DOCHES · health 83/100 · $63.1M · 2025Q4
Call Report peers
DOCHES in the assets neighbourhood
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DOCHES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DOCHES 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
Peer-gap read for DOCHES
- Largest favorable gap: Loan-to-Share Ratio at 81.10% vs peer 62.60% (+18.50 pp).
- Widest shortfall vs peers is Return on Assets: -0.57 pp (0.09% vs 0.66%).
DOCHES: in-state Call Report ranks
- Health composite ranks #205 of 386 among scored Texas credit unions.
- Assets rank #178 of 386 inside Texas ($63.1M reported).
- Membership ranks #119 of 386 among Texas CUs with a reported count (11,606 members).
- One place up in Texas, City Public Service/Ibew (#204) ties at 83/100; one place down, GECU (#206) ties at 83/100.
DOCHES: 2025Q4 → 2026Q1
DOCHES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $63.1M (2025Q4) to $64.3M (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.53% → 13.61%).
13.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
DOCHES gives up 17 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 8.6 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 14.6 pts
DOCHES health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.61% | -0.01 pp |
| Delinquency Rate | 0.58% | -0.38 pp |
| Return on Assets | 0.09% | -0.57 pp |
| Member Growth | -1.87% | - |
| Loan-to-Share Ratio | 81.10% | +18.50 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
DOCHES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.3M | - |
| 2025Q4 | $63.1M | 11,606 |
| 2024Q4 | $64.2M | 11,827 |
| 2023Q4 | $63.8M | 11,699 |
Credit Union Details
- Charter Number
- 62446
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Nacogdoches
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for DOCHES, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Nacogdoches, TX |
| Center Branch | Center, TX |
| Hemphill Branch | Hemphill, TX |
| University Branch | Nacogdoches, TX |
| South St. Branch | Nacogdoches, 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 DOCHES
Using this data
- DOCHES ranks #2,258 of 4,374 nationally on financial health and #205 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Texas
Frequently Asked Questions
Is DOCHES financially healthy?
On its 2025Q4 NCUA 5300 filing, DOCHES scores 83/100 (Excellent), with a 13.61% net worth ratio and 0.58% of loans delinquent. It ranks #2,258 of 4,374 nationally on health and #205 of 386 in Texas.
How does DOCHES compare to other credit unions?
DOCHES scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (81.10% vs 62.60%). Its widest shortfall is return on assets (0.09% vs 0.66%).
How can I join DOCHES?
Membership eligibility for DOCHES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DOCHES directly for current membership requirements and application steps.
Is my money safe at DOCHES?
DOCHES 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. DOCHES's net worth ratio of 13.61% 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.