Federal credit union · Pasadena, Texas · NCUA charter #19983
Ila 28
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $10.4M
- Total assets
- 1,078
- Members
- 21.0%
- Net-worth ratio
Ila 28 scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.4M; members 1,078; net-worth ratio 20.98%; health rank #443 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#443 of 4,374 health · 2025Q4Ila 28 · health 94/100 · $10.4M · 2025Q4
- RANK 94/100
- PHOTO 21.0%
- BOOK 0.00%
- CHARTER 0.52%
- NCUSIF $10.4M
- CAMELS 1,078
- HEALTH #443/4,374
- NW Richmond Heritage
- DELQ 19983
Call Report peers
Ila 28 in the assets neighbourhood
Ila 28's $10.4M assets sit next to Richmond Heritage ($10.4M) 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.
Ila 28 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
94 Top 13% higher than 87% 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
Ila 28 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19983 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Ila 28: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +19.59 pp (79.39% vs 59.80%).
- Widest shortfall vs peers is Return on Assets: -0.18 pp (0.52% vs 0.70%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Ila 28
- Texas health ordinal: #40 of 386.
- Texas assets place: #306 of 386.
- Member book place in Texas: #314 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Ila 28 Call Report trajectory
Ila 28: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $10.4M (2025Q4) to $10.5M (2026Q1).
- Net-worth ratio shifted -0.23 pp (21.21% → 20.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.9 pts
Ila 28 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.98% | +6.12 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.52% | -0.18 pp |
| Member Growth | 0.09% | - |
| Loan-to-Share Ratio | 79.39% | +19.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Ila 28
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.5M | - |
| 2025Q4 | $10.4M | 1,078 |
| 2024Q4 | $9.6M | 1,077 |
| 2023Q4 | $9.1M | 1,064 |
Credit Union Details
- Charter Number
- 19983
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Ila 28.
| Office | City |
|---|---|
| Main 1 (Main Office) | Pasadena, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Ila 28 nationwide neighbourhoods
Two NCUA Call Report peer sets for Ila 28, 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 ($10.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Ila 28 ranks #443 of 4,374 nationally on financial health and #40 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texarkana Terminal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texarkana Terminal Employees
- 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 Ila 28 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ila 28 carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #443 of 4,374; by total assets it ranks #3,541 of 4,374 nationally (same basis as /rankings/largest); and #306 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.98% net worth ratio and a 0.00% delinquency rate.
How does Ila 28 compare to other credit unions?
PlainCU's health composite puts Ila 28 at 94/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Ila 28?
Ila 28 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 Ila 28 directly for the current list of qualifying groups.
Is my money safe at Ila 28?
Federal credit unions like Ila 28 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. Ila 28's net worth ratio of 20.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ila 28 offer compared to banks?
Credit unions like Ila 28 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 Ila 28 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.