Federal credit union · Groves, Texas · NCUA charter #8298
Golden Triangle
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $38.4M
- Total assets
- 2,319
- Members
- 18.3%
- Net-worth ratio
Golden Triangle scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.4M; members 2,319; net-worth ratio 18.34%; health rank #2,215 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,215 of 4,374 health · 2025Q4Golden Triangle · health 83/100 · $38.4M · 2025Q4
Call Report peers
Golden Triangle in the assets neighbourhood
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Golden Triangle vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Golden Triangle sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Golden Triangle vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.34% vs peer 14.86% (+3.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.14 pp (49.66% vs 59.80%).
Golden Triangle: in-state Call Report ranks
- Health composite ranks #200 of 386 among scored Texas credit unions.
- Assets rank #210 of 386 inside Texas ($38.4M reported).
- Texas membership ordinal: #241 of 386.
- One place up in Texas, Schlumberger Employees (#199) ties at 83/100; one place down, VATAT (#201) ties at 83/100.
Golden Triangle Call Report trajectory
Golden Triangle: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $38.4M (2025Q4) to $38.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (18.38% → 18.34%).
At 18.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Golden Triangle gives up 17 points in total. Member Growth costs the most, 12 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for Golden Triangle
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.34% | +3.48 pp |
| Delinquency Rate | 0.52% | -0.63 pp |
| Return on Assets | 1.20% | +0.50 pp |
| Member Growth | -3.33% | - |
| Loan-to-Share Ratio | 49.66% | -10.14 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Golden Triangle filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Golden Triangle.
| Office | City |
|---|---|
| Main Office (Main Office) | Groves, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Golden Triangle nationwide neighbourhoods
Using this data
- Golden Triangle ranks #2,215 of 4,374 nationally on financial health and #200 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ASPIRE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ASPIRE
Frequently Asked Questions
Is Golden Triangle financially healthy?
On its 2025Q4 NCUA 5300 filing, Golden Triangle scores 83/100 (Excellent), with a 18.34% net worth ratio and 0.52% of loans delinquent. It ranks #2,215 of 4,374 nationally on health and #200 of 386 in Texas.
How does Golden Triangle compare to other credit unions?
Golden Triangle scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.34% vs 14.86%). Its widest shortfall is loan-to-share ratio (49.66% vs 59.80%).
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?
Golden Triangle 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. Golden Triangle's net worth ratio of 18.34% 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.