Federal credit union · Groves, Texas · NCUA charter #8298
Golden Triangle
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $38.4M
- Total assets
- 2,319
- Members
- 16.8%
- Net-worth ratio
Golden Triangle - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8298: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Golden Triangle - 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)99
- Earnings (ROA)100
- Member growth20
- Liquidity (loan-to-share)70
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.78% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 1.20% | 15% |
| Member Growth | -3.33% | 15% |
| Loan-to-Share Ratio | 49.66% | 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 | $38.4M | 2,319 |
| 2024Q4 | $35.2M | 2,399 |
| 2023Q4 | $35.3M | 2,462 |
Credit Union Details
- Charter Number
- 8298
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Groves
- Data Quarter
- 2025Q4
What This Data Says About Golden Triangle
The five-factor composite scores Golden Triangle at 83/100 (Excellent), reflecting a net worth ratio of 16.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Groves, Texas, reports 2,319 members, $38.4M in total assets, and $15.6M in outstanding loans as of Q4 2025 under charter #8298 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.52% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 49.66% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.20% on net income of $462K 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 -3.33%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
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 Golden Triangle financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Golden Triangle's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.78% net worth ratio and 0.52% delinquency rate are the key drivers.
How does Golden Triangle compare to other credit unions?
83/100 is Golden Triangle's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Golden Triangle?
Golden Triangle 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 Golden Triangle directly for the exact boundaries and application steps.
Is my money safe at Golden Triangle?
Federal credit unions like Golden Triangle 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. Golden Triangle's net worth ratio of 16.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Golden Triangle offer compared to banks?
Credit unions like Golden Triangle 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 Golden Triangle 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.