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.
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#3,620 of 4,374 health · 2025Q4Greater Texas · health 70/100 · $980.0M · 2025Q4
Call Report peers
Greater Texas in the assets neighbourhood
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Greater Texas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Greater Texas sits in 70-74 with 317 others.
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 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).
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.
- One place up in Texas, The People's (#315) ties at 70/100; one place down, Everman Parkway (#317) scores 69/100, 1 point lower.
Quarter path for Greater Texas
Greater Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $980.0M (2025Q4) to $988.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (7.22% → 7.28%).
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
Greater Texas gives up 30 points in total. Return on Assets costs the most, 13.3 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Greater Texas financially healthy?
Greater Texas has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,620 of 4,374 nationally on health and #316 of 386 in Texas. Its net worth ratio is 7.28% and its delinquency rate 0.60%.
How does Greater Texas compare to other credit unions?
Greater Texas scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.29% vs 83.90%). Its widest shortfall is net worth ratio (7.28% vs 11.18%).
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?
Greater 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 Texas's net worth ratio of 7.28% 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.