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
Call Report peers
GERMANIA in the assets neighbourhood
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
GERMANIA sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Texas, Texas Lee (#149) ties at 87/100; one place down, CHEMCEL (#151) ties at 87/100.
How GERMANIA's 5300 filing moved
GERMANIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $19.0M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.61% → 12.45%).
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
GERMANIA gives up 13 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is GERMANIA financially healthy?
GERMANIA has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,642 of 4,374 nationally on health and #150 of 386 in Texas. Its net worth ratio is 12.45% and its delinquency rate 0.00%.
How does GERMANIA compare to other credit unions?
GERMANIA scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.41% vs 59.80%). Its widest shortfall is net worth ratio (12.45% vs 14.86%).
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?
GERMANIA is a state-chartered 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. GERMANIA's net worth ratio of 12.45% 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.