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
Call Report peers
Friona Texas in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Friona Texas sits in 45-49 with 39 others.
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 vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 40.47% here, 59.80% peer average (-19.33 pp).
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.
- One place up in Texas, REDEEMER (#381) scores 50/100, 1 point higher; one place down, LONGVIEW (#383) scores 47/100, 2 points lower.
How Friona Texas's 5300 filing moved
Friona Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.7% from $15.0M (2025Q4) to $14.5M (2026Q1).
- Net-worth ratio shifted -4.05 pp (18.69% → 14.64%).
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
Friona Texas gives up 51 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Friona Texas financially healthy?
Friona Texas has a financial health score of 49/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,281 of 4,374 nationally on health and #382 of 386 in Texas. Its net worth ratio is 14.64% and its delinquency rate 11.20%.
How does Friona Texas compare to other credit unions?
Friona Texas scores 49/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (40.47% vs 59.80%).
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?
Friona Texas is a federal 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. Friona Texas's net worth ratio of 14.64% 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.