Federal credit union · Friona, Texas · NCUA charter #9843
Friona Texas
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $15.0M
- Total assets
- 1,653
- Members
- 14.6%
- Net-worth ratio
Friona Texas scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.0M; members 1,653; net-worth ratio 14.64%; health rank #4,281 of 4,374; healthier than 2nd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,281 of 4,374 health · 2025Q4Friona Texas · health 49/100 · $15.0M · 2025Q4
- NCUSIF 49/100
- CAMELS 14.6%
- HEALTH 11.20%
- NW -1.94%
- DELQ $15.0M
- ROA 1,653
- ASSETS #4,281/4,374
- MEM Winslow Santa Fe
- RANK 9843
Call Report peers
Friona Texas in the assets neighbourhood
Friona Texas's $15.0M assets sit next to Winslow Santa Fe ($15.0M) 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.
Friona Texas 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
49 2nd percentile higher than 2% 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
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 vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 40.47% here, 59.80% peer average (-19.33 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Friona Texas in Texas
- Health composite ranks #382 of 386 among scored Texas credit unions.
- Assets rank #278 of 386 inside Texas ($15.0M reported).
- Texas membership ordinal: #276 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 Friona Texas's 5300 filing moved
Friona Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.7% from $15.0M (2025Q4) to $14.5M (2026Q1).
- Net-worth ratio shifted -4.05 pp (18.69% → 14.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 49/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 9.4 pts
Friona Texas health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.64% | -0.22 pp |
| Delinquency Rate | 11.20% | +10.05 pp |
| Return on Assets | -1.94% | -2.65 pp |
| Member Growth | 0.49% | - |
| Loan-to-Share Ratio | 40.47% | -19.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.5M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Friona Texas.
| Office | City |
|---|---|
| Friona Texas Federal CU (Main Office) | Friona, TX |
| Friona National Bank | Friona, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Friona Texas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
Using this data
- Friona Texas ranks #4,281 of 4,374 nationally on financial health and #382 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REED
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #4,281 of 4,374; by total assets it ranks #3,326 of 4,374 nationally (same basis as /rankings/largest); and #278 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.64% 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 14.64% 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.
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.