State credit union · Teague, Texas · NCUA charter #68005
FREESTONE
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $75.4M
- Total assets
- 5,033
- Members
- 10.0%
- Net-worth ratio
FREESTONE scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.4M; members 5,033; net-worth ratio 10.04%; health rank #682 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#682 of 4,374 health · 2025Q4FREESTONE · health 93/100 · $75.4M · 2025Q4
Call Report peers
FREESTONE in the assets neighbourhood
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FREESTONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FREESTONE sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
FREESTONE vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.90 pp (0.06% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 55.29% vs peer 62.60% (-7.31 pp).
FREESTONE: in-state Call Report ranks
- Health composite ranks #63 of 386 among scored Texas credit unions.
- By total assets, FREESTONE is #170 of 386 in Texas.
- Member book place in Texas: #174 of 386.
- One place up in Texas, One Source (#62) ties at 93/100; one place down, Travis County (#64) ties at 93/100.
FREESTONE Call Report trajectory
FREESTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $75.4M (2025Q4) to $77.9M (2026Q1).
- Net-worth ratio shifted -0.27 pp (10.31% → 10.04%).
10.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
FREESTONE gives up 7 points in total. Member Growth costs the most, 3.8 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 11.2 pts
- Loan-to-Share Ratio 11.8 pts
FREESTONE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.04% | -3.58 pp |
| Delinquency Rate | 0.06% | -0.90 pp |
| Return on Assets | 1.06% | +0.40 pp |
| Member Growth | 1.82% | - |
| Loan-to-Share Ratio | 55.29% | -7.31 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - FREESTONE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.9M | - |
| 2025Q4 | $75.4M | 5,033 |
| 2024Q4 | $66.4M | 4,943 |
| 2023Q4 | $58.1M | 4,813 |
Credit Union Details
- Charter Number
- 68005
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Teague
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, FREESTONE runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Freestone CU Office (Main Office) | Teague, TX |
| Freestone Credit Union Branch Office | Fairfield, TX |
| Freestone CU Branch Office at Nucor Steel | Jewett, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- FREESTONE ranks #682 of 4,374 nationally on financial health and #63 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texan Sky is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texan Sky
Frequently Asked Questions
Is FREESTONE financially healthy?
On its 2025Q4 NCUA 5300 filing, FREESTONE scores 93/100 (Excellent), with a 10.04% net worth ratio and 0.06% of loans delinquent. It ranks #682 of 4,374 nationally on health and #63 of 386 in Texas.
How does FREESTONE compare to other credit unions?
FREESTONE scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.06% vs 0.96%). Its widest shortfall is loan-to-share ratio (55.29% vs 62.60%).
How can I join FREESTONE?
Membership eligibility for FREESTONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FREESTONE directly for current membership requirements and application steps.
Is my money safe at FREESTONE?
FREESTONE 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. FREESTONE's net worth ratio of 10.04% 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.