Federal credit union · Dallas, Texas · NCUA charter #12859
Faith Cooperative
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $2.3M
- Total assets
- 987
- Members
- 26.1%
- Net-worth ratio
Faith Cooperative scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.3M; members 987; net-worth ratio 26.11%; health rank #1,876 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,876 of 4,374 health · 2025Q4Faith Cooperative · health 85/100 · $2.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Faith Cooperative vs every NCUA-scored credit union
Faith Cooperative sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Where Faith Cooperative diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 97.01% vs peer 63.60% (+33.41 pp).
Texas standing for Faith Cooperative
- Texas health ordinal: #172 of 386.
- By total assets, Faith Cooperative is #372 of 386 in Texas.
- Membership ranks #320 of 386 among Texas CUs with a reported count (987 members).
- One place up in Texas, Texas Bay (#171) scores 86/100, 1 point higher; one place down, Highway District 21 (#173) ties at 85/100.
Quarter path for Faith Cooperative
Faith Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $2.3M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +1.10 pp (25.01% → 26.11%).
26.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Faith Cooperative gives up 15 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 12.1 pts
Faith Cooperative vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.11% | +7.05 pp |
| Delinquency Rate | 1.03% | -0.78 pp |
| Return on Assets | 3.00% | +2.55 pp |
| Member Growth | -0.50% | - |
| Loan-to-Share Ratio | 97.01% | +33.41 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Faith Cooperative filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.3M | - |
| 2025Q4 | $2.3M | 987 |
| 2024Q4 | $2.3M | 992 |
| 2023Q4 | $2.1M | 968 |
Credit Union Details
- Charter Number
- 12859
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Faith Cooperative runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Dallas, TX |
| FCFCU BackOffice | Dallas, 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.
Nationwide credit unions with similar profiles
Using this data
- Faith Cooperative ranks #1,876 of 4,374 nationally on financial health and #172 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lehrer Interests is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lehrer Interests
Frequently Asked Questions
Is Faith Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Faith Cooperative scores 85/100 (Excellent), with a 26.11% net worth ratio and 1.03% of loans delinquent. It ranks #1,876 of 4,374 nationally on health and #172 of 386 in Texas.
How does Faith Cooperative compare to other credit unions?
Faith Cooperative scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (97.01% vs 63.60%).
How can I join Faith Cooperative?
Faith Cooperative 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 Faith Cooperative directly for the exact boundaries and application steps.
Is my money safe at Faith Cooperative?
Faith Cooperative 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. Faith Cooperative's net worth ratio of 26.11% 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.