Federal credit union · FARMERS BRANCH, Texas · NCUA charter #20303
Farmers Branch City Employees
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $5.0M
- Total assets
- 811
- Members
- 16.9%
- Net-worth ratio
Farmers Branch City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20303. See our deposit-insurance coverage note.
Farmers Branch City Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth44
- Liquidity (loan-to-share)67
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.92% | 30% |
| Delinquency Rate | 11.39% | 25% |
| Return on Assets | 1.73% | 15% |
| Member Growth | -1.34% | 15% |
| Loan-to-Share Ratio | 45.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.0M | 811 |
| 2024Q4 | $4.8M | 822 |
| 2023Q4 | $5.2M | 887 |
Credit Union Details
- Charter Number
- 20303
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Texas
- City
- FARMERS BRANCH
- Data Quarter
- 2025Q4
What This Data Says About Farmers Branch City Employees
Charter #20303, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Farmers Branch City Employees, a federal credit union in FARMERS BRANCH, Texas with 811 members, $5.0M in total assets, and $1.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 62/100 (Good), helped by a net worth ratio of 16.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 11.39% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 45.63% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.73% on net income of $86K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.34%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
- CORPUS CHRISTI S.P.Corpus Christi, TX · $2M–$10M77Health
- MIDWESTERN STATE UNIVERSITYWichita Falls, TX · $2M–$10M93Health
- REDEEMERPlano, TX · $2M–$10M50Health
- PAMPA MUNICIPALPampa, TX · $2M–$10M73Health
- FRIO COUNTYPearsall, TX · $2M–$10M52Health
Compare Farmers Branch City Employees vs CORPUS CHRISTI S.P.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Farmers Branch City Employees financially healthy?
Farmers Branch City Employees scores 62/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.92% net worth ratio and a 11.39% delinquency rate.
How does Farmers Branch City Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Farmers Branch City Employees's 62/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Farmers Branch City Employees?
Farmers Branch City Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Farmers Branch City Employees directly for the current list of qualifying groups.
Is my money safe at Farmers Branch City Employees?
Federal credit unions like Farmers Branch City Employees 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. Farmers Branch City Employees's net worth ratio of 16.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Farmers Branch City Employees offer compared to banks?
Credit unions like Farmers Branch City Employees 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 Farmers Branch City Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.