Federal credit union · BEAUMONT, Texas · NCUA charter #15146
DUGOOD
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $594.7M
- Total assets
- 37,482
- Members
- 13.0%
- Net-worth ratio
DUGOOD scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $594.7M; members 37,482; net-worth ratio 13.00%; health rank #167 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#167 of 4,374 health · 2025Q4DUGOOD · health 97/100 · $594.7M · 2025Q4
Call Report peers
DUGOOD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DUGOOD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DUGOOD sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
DUGOOD: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.00% vs peer 11.18% (+1.82 pp).
- Loan-to-Share Ratio trails the peer set - 79.87% here, 83.90% peer average (-4.03 pp).
DUGOOD in Texas
- Health composite ranks #14 of 386 among scored Texas credit unions.
- By total assets, DUGOOD is #57 of 386 in Texas.
- Member book place in Texas: #59 of 386.
- One place up in Texas, Met Tran (#13) ties at 97/100; one place down, EECU (#15) ties at 97/100.
Quarter path for DUGOOD
DUGOOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $594.7M (2025Q4) to $610.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (12.98% → 13.00%).
At 13.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
DUGOOD gives up 3 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for DUGOOD
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.00% | +1.82 pp |
| Delinquency Rate | 0.10% | -0.78 pp |
| Return on Assets | 1.27% | +0.76 pp |
| Member Growth | 2.43% | - |
| Loan-to-Share Ratio | 79.87% | -4.03 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - DUGOOD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $610.5M | - |
| 2025Q4 | $594.7M | 37,482 |
| 2024Q4 | $531.9M | 36,592 |
| 2023Q4 | $507.1M | 35,558 |
Credit Union Details
- Charter Number
- 15146
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- BEAUMONT
- Data Quarter
- 2025Q4
Branch Locations (14)
DUGOOD operates 14 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration Bldg (Main Office) | Beaumont, TX |
| Beaumont Branch | Beaumont, TX |
| WestBrook HS Branch | Beaumont, TX |
| Edison Branch | Beaumont, TX |
| Major Branch | Beaumont, TX |
| LIT | Beaumont, TX |
| Jasper Branch | Jasper, TX |
| Lumberton Branch | Lumberton, TX |
| Mont Belvieu | Mont Belvieu, TX |
| Mortgage Center | Nederland, TX |
| Nederland Branch | Nederland, TX |
| Orange Branch | Orange, TX |
| Port Neches Branch | Port Neches, TX |
| Vidor Branch | Vidor, 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
- DUGOOD ranks #167 of 4,374 nationally on financial health and #14 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDUCATORS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDUCATORS
Frequently Asked Questions
Is DUGOOD financially healthy?
On its 2025Q4 NCUA 5300 filing, DUGOOD scores 97/100 (Excellent), with a 13.00% net worth ratio and 0.10% of loans delinquent. It ranks #167 of 4,374 nationally on health and #14 of 386 in Texas.
How does DUGOOD compare to other credit unions?
DUGOOD scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.00% vs 11.18%). Its widest shortfall is loan-to-share ratio (79.87% vs 83.90%).
How can I join DUGOOD?
DUGOOD 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 DUGOOD directly for the exact boundaries and application steps.
Is my money safe at DUGOOD?
DUGOOD is a federal 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. DUGOOD's net worth ratio of 13.00% 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.