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
- CAMELS 93/100
- HEALTH 10.0%
- NW 0.06%
- DELQ 1.06%
- ROA $75.4M
- ASSETS 5,033
- MEM #682/4,374
- RANK Railroad Employees
- PHOTO 68005
Call Report peers
FREESTONE in the assets neighbourhood
FREESTONE's $75.4M assets sit next to Railroad Employees ($75.4M) 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.
FREESTONE 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
93 Top 16% higher than 84% 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
FREESTONE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68005. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FREESTONE Call Report trajectory
FREESTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $75.4M (2025Q4) to $77.9M (2026Q1).
- Net-worth ratio shifted -0.27 pp (10.31% → 10.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
FREESTONE's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- 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 FREESTONE financially healthy?
FREESTONE scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #682 of 4,374; by total assets it ranks #2,065 of 4,374 nationally (same basis as /rankings/largest); and #170 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.04% net worth ratio and a 0.06% delinquency rate.
How does FREESTONE compare to other credit unions?
93/100 is FREESTONE's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like FREESTONE 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. FREESTONE's net worth ratio of 10.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FREESTONE offer compared to banks?
Credit unions like FREESTONE 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 FREESTONE 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.