Federal credit union · Pasadena, Texas · NCUA charter #19983
Ila 28
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $10.4M
- Total assets
- 1,078
- Members
- 21.2%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.21% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.52% | 15% |
| Member Growth | 0.09% | 15% |
| Loan-to-Share Ratio | 79.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Ila 28
Ila 28 is a federal credit union headquartered in Pasadena, Texas, serving 1,078 members with $10.4M in total assets and $6.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 94/100 (Excellent), anchored by a net worth ratio of 21.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #19983 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 79.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.52% on net income of $55K 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 0.09%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.21% 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 21.21% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.