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
Call Report peers
Hereford Texas in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Hereford Texas sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Hereford Texas vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 73.46% here, 62.60% peer average (+10.86 pp).
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).
- One place up in Texas, Highway District 9 (#80) ties at 91/100; one place down, FANNIN (#82) ties at 91/100.
How Hereford Texas's 5300 filing moved
Hereford Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $74.6M (2025Q4) to $76.6M (2026Q1).
- Net-worth ratio shifted -0.36 pp (21.82% → 21.46%).
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
Hereford Texas gives up 9 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Hereford Texas financially healthy?
On its 2025Q4 NCUA 5300 filing, Hereford Texas scores 91/100 (Excellent), with a 21.46% net worth ratio and 0.66% of loans delinquent. It ranks #876 of 4,374 nationally on health and #81 of 386 in Texas.
How does Hereford Texas compare to other credit unions?
Hereford Texas scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.46% vs 62.60%).
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?
Hereford 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. Hereford Texas's net worth ratio of 21.46% 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.