Federal credit union · KILLEEN, Texas · NCUA charter #11995
Greater Central Texas
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $33.9M
- Total assets
- 2,087
- Members
- 11.0%
- Net-worth ratio
Greater Central Texas scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.9M; members 2,087; net-worth ratio 10.96%; health rank #2,618 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,618 of 4,374 health · 2025Q4Greater Central Texas · health 81/100 · $33.9M · 2025Q4
- ROA 81/100
- ASSETS 11.0%
- MEM 0.00%
- RANK 1.29%
- PHOTO $33.9M
- BOOK 2,087
- CHARTER #2,618/4,374
- NCUSIF Utility District
- CAMELS 11995
Call Report peers
Greater Central Texas in the assets neighbourhood
Greater Central Texas's $33.9M assets sit next to Utility District ($33.9M) 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.
Greater Central Texas 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
81 39th percentile higher than 39% 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
Greater Central Texas - Share Insurance Coverage
Charter #11995's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Greater Central Texas vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.00% here, 1.15% peer average (-1.15 pp).
- Loan-to-Share Ratio trails the peer set - 27.46% here, 59.80% peer average (-32.34 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greater Central Texas in Texas
- Texas health ordinal: #235 of 386.
- Assets rank #219 of 386 inside Texas ($33.9M reported).
- Membership ranks #250 of 386 among Texas CUs with a reported count (2,087 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Greater Central Texas Call Report trajectory
Greater Central Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $33.9M (2025Q4) to $34.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (10.96% → 10.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 8.2 pts
Greater Central Texas vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.96% | -3.90 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.29% | +0.58 pp |
| Member Growth | -3.47% | - |
| Loan-to-Share Ratio | 27.46% | -32.34 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 - Greater Central Texas
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.6M | - |
| 2025Q4 | $33.9M | 2,087 |
| 2024Q4 | $32.1M | 2,162 |
| 2023Q4 | $31.4M | 2,206 |
Credit Union Details
- Charter Number
- 11995
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- KILLEEN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Greater Central Texas runs one office.
| Office | City |
|---|---|
| Greater Central Texas (Main Office) | Killeen, 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
Two NCUA Call Report peer sets for Greater Central Texas, 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 ($33.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Greater Central Texas ranks #2,618 of 4,374 nationally on financial health and #235 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Common Cents is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Common Cents
- 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 Greater Central Texas financially healthy?
A 10.96% net worth ratio and a 0.00% delinquency rate feed into Greater Central Texas's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,618 of 4,374; by total assets it ranks #2,747 of 4,374 nationally (same basis as /rankings/largest); and #219 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Greater Central Texas compare to other credit unions?
On PlainCU's health composite, Greater Central Texas lands at 81/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Greater Central Texas?
Greater Central 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 Greater Central Texas directly for the exact boundaries and application steps.
Is my money safe at Greater Central Texas?
Federal credit unions like Greater Central Texas 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. Greater Central Texas's net worth ratio of 10.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Central Texas offer compared to banks?
Credit unions like Greater Central Texas 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 Greater Central Texas 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.