Federal credit union · Friona, Texas · NCUA charter #9843
Friona Texas
Health score 49/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $15.0M
- Total assets
- 1,653
- Members
- 18.4%
- Net-worth ratio
Friona Texas - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9843 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Friona Texas - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth64
- Liquidity (loan-to-share)64
Weighted composite: 49/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 18.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.39% | 30% |
| Delinquency Rate | 11.20% | 25% |
| Return on Assets | -1.94% | 15% |
| Member Growth | 0.49% | 15% |
| Loan-to-Share Ratio | 40.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.0M | 1,653 |
| 2024Q4 | $14.5M | 1,645 |
| 2023Q4 | $15.6M | 1,631 |
Credit Union Details
- Charter Number
- 9843
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Friona
- Data Quarter
- 2025Q4
What This Data Says About Friona Texas
The five-factor composite scores Friona Texas at 49/100 (Below Average), reflecting a net worth ratio of 18.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Friona, Texas, reports 1,653 members, $15.0M in total assets, and $4.9M in outstanding loans as of Q4 2025 under charter #9843 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 11.20% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 40.47% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.94% on net income of $-291763 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.49%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Friona Texas financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Friona Texas carries a financial health score of 49/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.39% net worth ratio and a 11.20% delinquency rate.
How does Friona Texas compare to other credit unions?
Friona Texas scores 49/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Friona Texas?
Friona Texas 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 Friona Texas directly for the exact boundaries and application steps.
Is my money safe at Friona Texas?
Federal credit unions like Friona Texas 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. Friona Texas's net worth ratio of 18.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Friona Texas offer compared to banks?
Credit unions like Friona Texas 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 Friona Texas directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.