State credit union · TEXARKANA, Texas · NCUA charter #67414
Federal Employees
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $3.1M
- Total assets
- 356
- Members
- 23.0%
- Net-worth ratio
Federal Employees scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 356; net-worth ratio 22.97%; health rank #2,681 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,681 of 4,374 health · 2025Q4Federal Employees · health 80/100 · $3.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Federal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Federal Employees sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Federal Employees diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +3.91 pp (22.97% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 60.89% here, 63.60% peer average (-2.71 pp).
Where Federal Employees sits in Texas
- In Texas, health place is #244 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #364 of 386.
- Texas membership ordinal: #373 of 386.
- One place up in Texas, Yoakum County (#243) ties at 80/100; one place down, SYNERGY (#245) ties at 80/100.
Federal Employees Call Report trajectory
Federal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -7.1% from $3.1M (2025Q4) to $2.9M (2026Q1).
- Net-worth ratio shifted +1.68 pp (21.29% → 22.97%).
This credit union's 22.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Federal Employees gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.6 pts
Federal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.97% | +3.91 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.33% | -0.12 pp |
| Member Growth | -7.77% | - |
| Loan-to-Share Ratio | 60.89% | -2.71 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Federal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.9M | - |
| 2025Q4 | $3.1M | 356 |
| 2024Q4 | $3.2M | 386 |
| 2023Q4 | $3.6M | 405 |
Credit Union Details
- Charter Number
- 67414
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- TEXARKANA
- Data Quarter
- 2025Q4
Branch Location
Federal Employees operates a single office in Texarkana, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Federal Employees (Main Office) | Texarkana, 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.
Federal Employees nationwide neighbourhoods
Similar health score
Using this data
- Federal Employees ranks #2,681 of 4,374 nationally on financial health and #244 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LEFORS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LEFORS
Frequently Asked Questions
Is Federal Employees financially healthy?
Federal Employees has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,681 of 4,374 nationally on health and #244 of 386 in Texas. Its net worth ratio is 22.97% and its delinquency rate 0.00%.
How does Federal Employees compare to other credit unions?
Federal Employees scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (22.97% vs 19.06%). Its widest shortfall is loan-to-share ratio (60.89% vs 63.60%).
How can I join Federal Employees?
Membership eligibility for Federal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Federal Employees directly for current membership requirements and application steps.
Is my money safe at Federal Employees?
Federal Employees is a state-chartered 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. Federal Employees's net worth ratio of 22.97% 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.