Federal credit union · Hereford, Texas · NCUA charter #1401
Hereford Texas
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $74.6M
- Total assets
- 8,263
- Members
- 21.5%
- Net-worth ratio
Hereford Texas scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74.6M; members 8,263; net-worth ratio 21.46%; health rank #876 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#876 of 4,374 health · 2025Q4Hereford Texas · health 91/100 · $74.6M · 2025Q4
- HEALTH 91/100
- NW 21.5%
- DELQ 0.66%
- ROA 0.68%
- ASSETS $74.6M
- MEM 8,263
- RANK #876/4,374
- PHOTO THORNAPPLE
- BOOK 1401
Call Report peers
Hereford Texas in the assets neighbourhood
Hereford Texas's $74.6M assets sit next to THORNAPPLE ($74.5M) 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.
Hereford 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
91 Top 23% higher than 77% 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
Hereford Texas - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1401: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Hereford Texas vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 73.46% here, 62.60% peer average (+10.86 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hereford Texas: in-state Call Report ranks
- In Texas, health place is #81 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Hereford Texas is #171 of 386 in Texas.
- Membership ranks #145 of 386 among Texas CUs with a reported count (8,263 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.
How Hereford Texas's 5300 filing moved
Hereford Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $74.6M (2025Q4) to $76.6M (2026Q1).
- Net-worth ratio shifted -0.36 pp (21.82% → 21.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.46% | +7.84 pp |
| Delinquency Rate | 0.66% | -0.30 pp |
| Return on Assets | 0.68% | +0.02 pp |
| Member Growth | -0.74% | - |
| Loan-to-Share Ratio | 73.46% | +10.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Hereford Texas quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.6M | - |
| 2025Q4 | $74.6M | 8,263 |
| 2024Q4 | $72.2M | 8,325 |
| 2023Q4 | $71.0M | 8,358 |
Credit Union Details
- Charter Number
- 1401
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Hereford
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Hereford Texas runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Hereford Texas Federal Credit Union (Main Office) | Hereford, TX |
| Hereford Texas Federal Credit Union | Dimmitt, 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.
Other-state peers near Hereford Texas
Two NCUA Call Report peer sets for Hereford 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 ($74.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Hereford Texas ranks #876 of 4,374 nationally on financial health and #81 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FREESTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FREESTONE
- 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 Hereford Texas financially healthy?
Hereford Texas scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #876 of 4,374; by total assets it ranks #2,077 of 4,374 nationally (same basis as /rankings/largest); and #171 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 21.46% net worth ratio and a 0.66% delinquency rate.
How does Hereford Texas compare to other credit unions?
Five weighted metrics from NCUA filings produce Hereford Texas's 91/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hereford Texas?
Hereford 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 Hereford Texas directly for the exact boundaries and application steps.
Is my money safe at Hereford Texas?
Federal credit unions like Hereford 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. Hereford Texas's net worth ratio of 21.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hereford Texas offer compared to banks?
Credit unions like Hereford 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 Hereford 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.