Federal credit union · AUSTIN, Texas · NCUA charter #7590
Greater Texas
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $980.0M
- Total assets
- 75,495
- Members
- 7.3%
- Net-worth ratio
Greater Texas scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $980.0M; members 75,495; net-worth ratio 7.28%; health rank #3,620 of 4,374; healthier than 17th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,620 of 4,374 health · 2025Q4Greater Texas · health 70/100 · $980.0M · 2025Q4
- ROA 70/100
- ASSETS 7.3%
- MEM 0.60%
- RANK -0.31%
- PHOTO $980.0M
- BOOK 75,495
- CHARTER #3,620/4,374
- NCUSIF Golden Plains
- CAMELS 7590
Call Report peers
Greater Texas in the assets neighbourhood
Greater Texas's $980.0M assets sit next to Golden Plains ($977.2M) 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 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
70 17th percentile higher than 17% 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 Texas - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7590 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Greater Texas vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.29% vs peer 83.90% (+0.39 pp).
- Net Worth Ratio trails the peer set - 7.28% here, 11.18% peer average (-3.90 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Greater Texas sits in Texas
- In Texas, health place is #316 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Greater Texas is #39 of 386 in Texas.
- Texas membership ordinal: #31 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Greater Texas
Greater Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $980.0M (2025Q4) to $988.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (7.22% → 7.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 23.2 pts
- Delinquency Rate 24.0 pts
- Return on Assets 1.7 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 14.9 pts
Greater Texas vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.28% | -3.90 pp |
| Delinquency Rate | 0.60% | -0.27 pp |
| Return on Assets | -0.31% | -0.82 pp |
| Member Growth | -1.54% | - |
| Loan-to-Share Ratio | 84.29% | +0.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $988.0M | - |
| 2025Q4 | $980.0M | 75,495 |
| 2024Q4 | $935.6M | 76,676 |
| 2023Q4 | $949.8M | 85,826 |
Credit Union Details
- Charter Number
- 7590
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Texas
- City
- AUSTIN
- Data Quarter
- 2025Q4
Branch Locations (16)
Greater Texas operates 16 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| GTFCU (Main Office) | AUSTIN, TX |
| GTFCU | ARLINGTON, TX |
| GTFCU | Austin, TX |
| GTFCU | AUSTIN, TX |
| GTFCU | Bastrop, TX |
| AGGIELAND | Bryan, TX |
| GTFCU | Cedar Park, TX |
| Aggieland | College Station, TX |
| AGGIELAND | College Station, TX |
| Aggieland | College Station, TX |
| GTFCU | Edinburg, TX |
| GTFCU | Houston, TX |
| GTFCU | Kyle, TX |
| GTFCU | Manor, TX |
| GTFCU | San Antonio, TX |
| GTFCU | SAN MARCOS, 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.
Greater Texas nationwide neighbourhoods
Cross-state asset and health neighbours for Greater Texas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($980.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Greater Texas ranks #3,620 of 4,374 nationally on financial health and #316 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Houston Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Houston Police
- 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 Texas financially healthy?
A 7.28% net worth ratio and a 0.60% delinquency rate feed into Greater Texas's financial health score of 70/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,620 of 4,374; by total assets it ranks #473 of 4,374 nationally (same basis as /rankings/largest); and #39 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Greater Texas compare to other credit unions?
On PlainCU's health composite, Greater Texas lands at 70/100, compared to a peer group average for Over $500M 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 Texas?
Greater Texas serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Greater Texas directly for the current list of qualifying groups.
Is my money safe at Greater Texas?
Federal credit unions like Greater 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 Texas's net worth ratio of 7.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Texas offer compared to banks?
Credit unions like Greater 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 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.