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
- RANK 85/100
- PHOTO 26.1%
- BOOK 1.03%
- CHARTER 3.00%
- NCUSIF $2.3M
- CAMELS 987
- HEALTH #1,876/4,374
- NW n/a
- DELQ 12859
Call Report peers
Faith Cooperative carries $2.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Faith Cooperative - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12859 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Faith Cooperative diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 97.01% vs peer 63.60% (+33.41 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Faith Cooperative
Faith Cooperative: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $2.3M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +1.10 pp (25.01% → 26.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Faith Cooperative - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 Faith Cooperative financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Faith Cooperative carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,876 of 4,374; by total assets it ranks #4,102 of 4,374 nationally (same basis as /rankings/largest); and #372 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 26.11% net worth ratio and a 1.03% delinquency rate.
How does Faith Cooperative compare to other credit unions?
PlainCU's health composite puts Faith Cooperative at 85/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Faith Cooperative 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. Faith Cooperative's net worth ratio of 26.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Faith Cooperative offer compared to banks?
Credit unions like Faith Cooperative 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 Faith Cooperative 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.