State credit union · Brenham, Texas · NCUA charter #66857
GERMANIA
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $19.0M
- Total assets
- 2,534
- Members
- 12.4%
- Net-worth ratio
GERMANIA scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.0M; members 2,534; net-worth ratio 12.45%; health rank #1,642 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,642 of 4,374 health · 2025Q4GERMANIA · health 87/100 · $19.0M · 2025Q4
- HEALTH 87/100
- NW 12.4%
- DELQ 0.00%
- ROA 0.40%
- ASSETS $19.0M
- MEM 2,534
- RANK #1,642/4,374
- PHOTO Hamilton Horizons
- BOOK 66857
Call Report peers
GERMANIA in the assets neighbourhood
GERMANIA's $19.0M assets sit next to Hamilton Horizons ($19.1M) 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.
GERMANIA 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
87 Top 40% higher than 60% 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
GERMANIA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66857, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for GERMANIA
- Largest favorable gap: Loan-to-Share Ratio at 62.41% vs peer 59.80% (+2.61 pp).
- Largest lag: Net Worth Ratio at 12.45% vs peer 14.86% (-2.41 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for GERMANIA
- In Texas, health place is #150 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, GERMANIA is #262 of 386 in Texas.
- Member book place in Texas: #231 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 GERMANIA's 5300 filing moved
GERMANIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $19.0M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.61% → 12.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.5 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 13.4 pts
GERMANIA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.45% | -2.41 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.40% | -0.30 pp |
| Member Growth | -2.16% | - |
| Loan-to-Share Ratio | 62.41% | +2.61 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).
Call Report history - GERMANIA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.4M | - |
| 2025Q4 | $19.0M | 2,534 |
| 2024Q4 | $19.6M | 2,590 |
| 2023Q4 | $19.9M | 2,729 |
Credit Union Details
- Charter Number
- 66857
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Brenham
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for GERMANIA, spread across 2 cities.
| Office | City |
|---|---|
| Germania Credit Union (Main Office) | Brenham, TX |
| Total 1 | Houston, 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
Two NCUA Call Report peer sets for GERMANIA, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- GERMANIA ranks #1,642 of 4,374 nationally on financial health and #150 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Amarillo Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Amarillo Postal Employees
- 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 GERMANIA financially healthy?
A 12.45% net worth ratio and a 0.00% delinquency rate feed into GERMANIA's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,642 of 4,374; by total assets it ranks #3,180 of 4,374 nationally (same basis as /rankings/largest); and #262 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does GERMANIA compare to other credit unions?
Five weighted metrics from NCUA filings produce GERMANIA's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 GERMANIA?
Membership eligibility for GERMANIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GERMANIA directly for current membership requirements and application steps.
Is my money safe at GERMANIA?
Federal credit unions like GERMANIA 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. GERMANIA's net worth ratio of 12.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GERMANIA offer compared to banks?
Credit unions like GERMANIA 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 GERMANIA 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.