State credit union · Nederland, Texas · NCUA charter #68643
FIVEPOINT
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.11B
- Total assets
- 57,542
- Members
- 8.9%
- Net-worth ratio
FIVEPOINT scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.11B; members 57,542; net-worth ratio 8.90%; health rank #1,346 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,346 of 4,374 health · 2025Q4FIVEPOINT · health 89/100 · $1.11B · 2025Q4
- NCUSIF 89/100
- CAMELS 8.9%
- HEALTH 0.76%
- NW 0.25%
- DELQ $1.11B
- ROA 57,542
- ASSETS #1,346/4,374
- MEM First Financial
- RANK 68643
Call Report peers
FIVEPOINT in the assets neighbourhood
FIVEPOINT's $1.11B assets sit next to First Financial ($1.11B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FIVEPOINT 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
89 Top 31% higher than 69% 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
FIVEPOINT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68643: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
FIVEPOINT: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 86.64% vs peer 83.90% (+2.74 pp).
- Largest lag: Net Worth Ratio at 8.90% vs peer 11.18% (-2.28 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FIVEPOINT in Texas
- In Texas, health place is #127 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #34 of 386.
- Texas membership ordinal: #45 of 386.
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 FIVEPOINT
FIVEPOINT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $1.11B (2025Q4) to $1.12B (2026Q1).
- Net-worth ratio shifted -0.09 pp (8.99% → 8.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 22.4 pts
- Return on Assets 11.3 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for FIVEPOINT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.90% | -2.28 pp |
| Delinquency Rate | 0.76% | -0.12 pp |
| Return on Assets | 0.25% | -0.25 pp |
| Member Growth | 3.66% | - |
| Loan-to-Share Ratio | 86.64% | +2.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
FIVEPOINT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.12B | - |
| 2025Q4 | $1.11B | 57,542 |
| 2024Q4 | $987.2M | 55,511 |
| 2023Q4 | $940.7M | 53,756 |
Credit Union Details
- Charter Number
- 68643
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Nederland
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, FIVEPOINT runs 9 offices in 9 different cities.
| Office | City |
|---|---|
| FivePoint Credit Union (Main Office) | Nederland, TX |
| FivePoint Credit Union | Beaumont, TX |
| FivePoint Credit Union | Bridge City, TX |
| FivePoint Credit Union | Conroe, TX |
| FivePoint Credit Union | Lumberton, TX |
| FivePoint Credit Union | Magnolia, TX |
| FivePoint Credit Union | Orange, TX |
| FivePoint Credit Union | Port Arthur, TX |
| FivePoint Credit Union | Spring, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
FIVEPOINT nationwide neighbourhoods
FIVEPOINT's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.11B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- FIVEPOINT ranks #1,346 of 4,374 nationally on financial health and #127 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NECHES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NECHES
- 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 FIVEPOINT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, FIVEPOINT carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,346 of 4,374; by total assets it ranks #432 of 4,374 nationally (same basis as /rankings/largest); and #34 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.90% net worth ratio and a 0.76% delinquency rate.
How does FIVEPOINT compare to other credit unions?
PlainCU's health composite puts FIVEPOINT at 89/100, compared to a peer group average for Over $500M 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 FIVEPOINT?
Membership eligibility for FIVEPOINT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FIVEPOINT directly for current membership requirements and application steps.
Is my money safe at FIVEPOINT?
Federal credit unions like FIVEPOINT 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. FIVEPOINT's net worth ratio of 8.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FIVEPOINT offer compared to banks?
Credit unions like FIVEPOINT 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 FIVEPOINT 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.