Federal credit union · Irving, Texas · NCUA charter #24481
Irving City Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $84.3M
- Total assets
- 5,017
- Members
- 11.4%
- Net-worth ratio
Irving City Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $84.3M; members 5,017; net-worth ratio 11.43%; health rank #793 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#793 of 4,374 health · 2025Q4Irving City Employees · health 92/100 · $84.3M · 2025Q4
- ASSETS 92/100
- MEM 11.4%
- RANK 0.48%
- PHOTO 0.82%
- BOOK $84.3M
- CHARTER 5,017
- NCUSIF #793/4,374
- CAMELS Public Service #3
- HEALTH 24481
Call Report peers
Irving City Employees in the assets neighbourhood
Irving City Employees's $84.3M assets sit next to Public Service #3 ($84.3M) 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.
Irving City Employees 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
92 Top 20% higher than 80% 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
Irving City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24481. See our deposit-insurance coverage note.
Irving City Employees vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.48% here, 0.96% peer average (-0.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.01 pp (51.59% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Irving City Employees
- Health composite ranks #72 of 386 among scored Texas credit unions.
- Texas assets place: #160 of 386.
- Member book place in Texas: #176 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.
Irving City Employees: 2025Q4 → 2026Q1
Irving City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $84.3M (2025Q4) to $84.7M (2026Q1).
- Net-worth ratio shifted +0.44 pp (10.99% → 11.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 11.3 pts
Irving City Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.43% | -2.19 pp |
| Delinquency Rate | 0.48% | -0.48 pp |
| Return on Assets | 0.82% | +0.16 pp |
| Member Growth | 1.39% | - |
| Loan-to-Share Ratio | 51.59% | -11.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Irving City Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.7M | - |
| 2025Q4 | $84.3M | 5,017 |
| 2024Q4 | $80.0M | 4,948 |
| 2023Q4 | $80.0M | 4,909 |
Credit Union Details
- Charter Number
- 24481
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Irving
- Data Quarter
- 2025Q4
Branch Location
Irving City Employees operates a single office in Irving, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Irving, 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.
Cross-state Call Report peers for Irving City Employees
Two NCUA Call Report peer sets for Irving City Employees, 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 ($84.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Irving City Employees ranks #793 of 4,374 nationally on financial health and #72 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CITY
- 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 Irving City Employees financially healthy?
A 11.43% net worth ratio and a 0.48% delinquency rate feed into Irving City Employees's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #793 of 4,374; by total assets it ranks #1,973 of 4,374 nationally (same basis as /rankings/largest); and #160 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Irving City Employees compare to other credit unions?
92/100 is Irving City Employees's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Irving City Employees?
Irving City Employees 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 Irving City Employees directly for the current list of qualifying groups.
Is my money safe at Irving City Employees?
Federal credit unions like Irving City Employees 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. Irving City Employees's net worth ratio of 11.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Irving City Employees offer compared to banks?
Credit unions like Irving City Employees 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 Irving City Employees 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.