Federal credit union · BONHAM, Texas · NCUA charter #17254
FANNIN
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $79.1M
- Total assets
- 6,739
- Members
- 20.0%
- Net-worth ratio
FANNIN scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $79.1M; members 6,739; net-worth ratio 19.97%; health rank #883 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#883 of 4,374 health · 2025Q4FANNIN · health 91/100 · $79.1M · 2025Q4
Call Report peers
FANNIN in the assets neighbourhood
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FANNIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FANNIN sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
FANNIN vs $50M–$100M peers
- Net Worth Ratio leads the peer set - 19.97% here, 13.62% peer average (+6.35 pp).
Where FANNIN sits in Texas
- In Texas, health place is #82 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #166 of 386 inside Texas ($79.1M reported).
- Membership ranks #155 of 386 among Texas CUs with a reported count (6,739 members).
- One place up in Texas, Hereford Texas (#81) ties at 91/100; one place down, Ellis County Teachers and Employees (#83) ties at 91/100.
Quarter path for FANNIN
FANNIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $79.1M (2025Q4) to $79.5M (2026Q1).
- Net-worth ratio shifted +0.52 pp (19.45% → 19.97%).
At 19.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
FANNIN gives up 9 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 13.9 pts
FANNIN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.97% | +6.35 pp |
| Delinquency Rate | 0.23% | -0.74 pp |
| Return on Assets | 2.75% | +2.09 pp |
| Member Growth | -1.07% | - |
| Loan-to-Share Ratio | 66.23% | +3.63 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.5M | - |
| 2025Q4 | $79.1M | 6,739 |
| 2024Q4 | $75.5M | 6,812 |
| 2023Q4 | $69.9M | 6,754 |
Credit Union Details
- Charter Number
- 17254
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- BONHAM
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, FANNIN runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | BONHAM, 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.
Other-state peers near FANNIN
Using this data
- FANNIN ranks #883 of 4,374 nationally on financial health and #82 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kbr Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kbr Heritage
Frequently Asked Questions
Is FANNIN financially healthy?
FANNIN has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #883 of 4,374 nationally on health and #82 of 386 in Texas. Its net worth ratio is 19.97% and its delinquency rate 0.23%.
How does FANNIN compare to other credit unions?
FANNIN scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (19.97% vs 13.62%).
How can I join FANNIN?
FANNIN 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 FANNIN directly for the exact boundaries and application steps.
Is my money safe at FANNIN?
FANNIN 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. FANNIN's net worth ratio of 19.97% 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.