Federal credit union · Evadale, Texas · NCUA charter #97098
EASTEX
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $126.2M
- Total assets
- 11,434
- Members
- 11.2%
- Net-worth ratio
EASTEX scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $126.2M; members 11,434; net-worth ratio 11.19%; health rank #392 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#392 of 4,374 health · 2025Q4EASTEX · health 95/100 · $126.2M · 2025Q4
- NCUSIF 95/100
- CAMELS 11.2%
- HEALTH 0.12%
- NW 0.59%
- DELQ $126.2M
- ROA 11,434
- ASSETS #392/4,374
- MEM Gulf Coast Community
- RANK 97098
Call Report peers
EASTEX in the assets neighbourhood
EASTEX's $126.2M assets sit next to Gulf Coast Community ($126.3M) 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.
EASTEX 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
95 Top 10% higher than 90% 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
EASTEX - Share Insurance Coverage
Charter #97098's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where EASTEX diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.77 pp (0.12% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 57.98% vs peer 72.20% (-14.22 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EASTEX in Texas
- In Texas, health place is #34 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #130 of 386 inside Texas ($126.2M reported).
- Texas membership ordinal: #120 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.
EASTEX Call Report trajectory
EASTEX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $126.2M (2025Q4) to $132.6M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.47% → 11.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 12.4 pts
EASTEX health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.19% | -0.92 pp |
| Delinquency Rate | 0.12% | -0.77 pp |
| Return on Assets | 0.59% | -0.03 pp |
| Member Growth | 3.02% | - |
| Loan-to-Share Ratio | 57.98% | -14.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.6M | - |
| 2025Q4 | $126.2M | 11,434 |
| 2024Q4 | $118.5M | 11,099 |
| 2023Q4 | $116.6M | 10,981 |
Credit Union Details
- Charter Number
- 97098
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Evadale
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, EASTEX runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Eastex Credit Union (Main Office) | Buna, TX |
| Eastex Credit Union | Kirbyville, TX |
| Eastex Credit Union | Kountze, TX |
| Eastex Credit Union | Silsbee, TX |
| Eastex Credit Union | Spurger, 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
Two NCUA Call Report peer sets for EASTEX, 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 ($126.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- EASTEX ranks #392 of 4,374 nationally on financial health and #34 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Source is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Source
- 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 EASTEX financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - EASTEX'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 #392 of 4,374; by total assets it ranks #1,634 of 4,374 nationally (same basis as /rankings/largest); and #130 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.19% net worth ratio and 0.12% delinquency rate are the key drivers.
How does EASTEX compare to other credit unions?
EASTEX scores 95/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 EASTEX?
Membership eligibility for EASTEX depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EASTEX directly for current membership requirements and application steps.
Is my money safe at EASTEX?
Federal credit unions like EASTEX 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. EASTEX's net worth ratio of 11.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EASTEX offer compared to banks?
Credit unions like EASTEX 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 EASTEX 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.