Federal credit union · Humble, Texas · NCUA charter #97112
Investex
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $239.6M
- Total assets
- 21,389
- Members
- 11.5%
- Net-worth ratio
Investex - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #97112. See our deposit-insurance coverage note.
Investex - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)47
- Member growth57
- Liquidity (loan-to-share)82
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.53% | 30% |
| Delinquency Rate | 0.68% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | -0.25% | 15% |
| Loan-to-Share Ratio | 57.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $239.6M | 21,389 |
| 2024Q4 | $235.7M | 21,442 |
| 2023Q4 | $236.7M | 21,385 |
Credit Union Details
- Charter Number
- 97112
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Humble
- Data Quarter
- 2025Q4
What This Data Says About Investex
Charter #97112, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Investex, a federal credit union in Humble, Texas with 21,389 members, $239.6M in total assets, and $128.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 81/100 (Excellent), helped by a net worth ratio of 11.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 57.75% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.68% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.06% on net income of $140K 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 -0.25%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Investex financially healthy?
Investex has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.53% and delinquency rate of 0.68%.
How does Investex compare to other credit unions?
81/100 is Investex's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Investex?
Membership eligibility for Investex depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Investex directly for current membership requirements and application steps.
Is my money safe at Investex?
Federal credit unions like Investex 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. Investex's net worth ratio of 11.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Investex offer compared to banks?
Credit unions like Investex 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 Investex 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.