Federal credit union · AUSTIN, Texas · NCUA charter #7590
Greater Texas
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $980.0M
- Total assets
- 75,495
- Members
- 7.0%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)75
- Asset quality (delinquency)96
- Earnings (ROA)11
- Member growth42
- Liquidity (loan-to-share)100
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.01% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | -0.31% | 15% |
| Member Growth | -1.54% | 15% |
| Loan-to-Share Ratio | 84.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Greater Texas
75,495 members and $980.0M in total assets sit behind Greater Texas, a federal credit union in AUSTIN, Texas, which posts a health score of 69/100 (Good) on the five-factor composite, with $752.3M in outstanding loans as of Q4 2025 and a net worth ratio of 7.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7590 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.60% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 84.29% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.31% on net income of $-3059879 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 -1.54%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
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 Greater Texas financially healthy?
A 7.01% net worth ratio and a 0.60% delinquency rate feed into Greater Texas's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. 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 69/100, 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 7.01% 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.
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.