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
Call Report peers
Greater Central Texas in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Greater Central Texas sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, INVESTEX (#234) ties at 81/100; one place down, MEMORIAL (#236) ties at 81/100.
Greater Central Texas Call Report trajectory
Greater Central Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $33.9M (2025Q4) to $34.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (10.96% → 10.96%).
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
Greater Central Texas gives up 19 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Greater Central Texas financially healthy?
Greater Central Texas has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,618 of 4,374 nationally on health and #235 of 386 in Texas. Its net worth ratio is 10.96% and its delinquency rate 0.00%.
How does Greater Central Texas compare to other credit unions?
Greater Central Texas scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (27.46% vs 59.80%).
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?
Greater Central Texas 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. Greater Central Texas's net worth ratio of 10.96% 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.