Federal credit union · Pearsall, Texas · NCUA charter #20267
Frio County
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $5.4M
- Total assets
- 1,668
- Members
- 37.2%
- Net-worth ratio
Frio County scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.4M; members 1,668; net-worth ratio 37.23%; health rank #4,233 of 4,374; healthier than 3rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,233 of 4,374 health · 2025Q4Frio County · health 52/100 · $5.4M · 2025Q4
- PHOTO 52/100
- BOOK 37.2%
- CHARTER 2.81%
- NCUSIF 1.23%
- CAMELS $5.4M
- HEALTH 1,668
- NW #4,233/4,374
- DELQ n/a
- ROA 20267
Frio County carries $5.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Frio County 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
52 3rd percentile higher than 3% 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
Frio County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20267 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Frio County
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +71.36 pp (134.96% vs 63.60%).
- Delinquency Rate trails the peer set - 2.81% here, 1.81% peer average (+1.01 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Frio County: in-state Call Report ranks
- In Texas, health place is #376 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Frio County is #341 of 386 in Texas.
- Member book place in Texas: #275 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.
How Frio County's 5300 filing moved
Frio County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $5.4M (2025Q4) to $5.3M (2026Q1).
- Net-worth ratio shifted -0.96 pp (38.19% → 37.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 37.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 52/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio -0.4 pts
Frio County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.23% | +18.17 pp |
| Delinquency Rate | 2.81% | +1.01 pp |
| Return on Assets | 1.23% | +0.78 pp |
| Member Growth | -6.97% | - |
| Loan-to-Share Ratio | 134.96% | +71.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Frio County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.3M | - |
| 2025Q4 | $5.4M | 1,668 |
| 2024Q4 | $6.3M | 1,793 |
| 2023Q4 | $6.5M | 1,659 |
Credit Union Details
- Charter Number
- 20267
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Pearsall
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Frio County runs 3 offices.
| Office | City |
|---|---|
| Credit Union/Main Office (Main Office) | Pearsall, TX |
| CreditUnion/DR | Pearsall, TX |
| Belinda Gonzales/VR | Pearsall, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near Frio County
Frio County's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
Using this data
- Frio County ranks #4,233 of 4,374 nationally on financial health and #376 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Moore County Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Moore County Schools
- 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 Frio County financially healthy?
Yes/no aside, the number is 52/100 (Fair) - Frio County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,233 of 4,374; by total assets it ranks #3,857 of 4,374 nationally (same basis as /rankings/largest); and #341 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 37.23% net worth ratio and 2.81% delinquency rate are the key drivers.
How does Frio County compare to other credit unions?
52/100 is Frio County's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Frio County?
Frio County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Frio County directly for the exact boundaries and application steps.
Is my money safe at Frio County?
Federal credit unions like Frio County 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. Frio County's net worth ratio of 37.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Frio County offer compared to banks?
Credit unions like Frio County 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 Frio County 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.