Federal credit union · Hereford, Texas · NCUA charter #1401

Hereford Texas

Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

91
Health / 100
$74.6M
Total assets
8,263
Members
21.8%
Net-worth ratio

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.

NCUSIF coverage gauge for Hereford Texas Share insurance under NCUSIF covers up to $250,000 per share owner. Hereford Texas holds approximately $56.9M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 21.8 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 21.8% · $56.9M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Hereford 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) 21.82% 30% weight
  • Asset quality (delinquency) 0.66% 25% weight
  • Earnings (ROA) 0.68% 15% weight
  • Member growth -0.74% 15% weight
  • Liquidity (loan-to-share) 73% 15% weight

Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 21.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$74.6M
Total Assets
8,263
Members
$41.8M
Total Loans
$56.9M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 21.82% 30%
Delinquency Rate 0.66% 25%
Return on Assets 0.68% 15%
Member Growth -0.74% 15%
Loan-to-Share Ratio 73.46% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Hereford Texas

The five-factor composite scores Hereford Texas at 91/100 (Excellent), reflecting a net worth ratio of 21.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Hereford, Texas, reports 8,263 members, $74.6M in total assets, and $41.8M in outstanding loans as of Q4 2025 under charter #1401 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).

0.66% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 73.46% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.68% on net income of $508K 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 -0.74%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Texas

More federally-insured credit unions based in Texas, ordered by peer group match and asset size.

Compare Hereford Texas vs FREESTONE

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 Hereford Texas financially healthy?

Hereford Texas scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 21.82% 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 21.82% 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.