Federal credit union · Irving, Texas · NCUA charter #10424
Las Colinas
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $95.5M
- Total assets
- 10,096
- Members
- 7.6%
- Net-worth ratio
Las Colinas scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $95.5M; members 10,096; net-worth ratio 7.56%; health rank #3,967 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,967 of 4,374 health · 2025Q4Las Colinas · health 63/100 · $95.5M · 2025Q4
- BOOK 63/100
- CHARTER 7.6%
- NCUSIF 2.09%
- CAMELS -0.15%
- HEALTH $95.5M
- NW 10,096
- DELQ #3,967/4,374
- ROA Port Washington
- ASSETS 10424
Call Report peers
Las Colinas in the assets neighbourhood
Las Colinas's $95.5M assets sit next to Port Washington ($95.4M) 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.
Las Colinas 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
63 9th percentile higher than 9% 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
Las Colinas - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10424: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Las Colinas vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +32.32 pp (94.92% vs 62.60%).
- Largest lag: Net Worth Ratio at 7.56% vs peer 13.62% (-6.06 pp).
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 Las Colinas
- Health composite ranks #349 of 386 among scored Texas credit unions.
- Assets rank #149 of 386 inside Texas ($95.5M reported).
- Member book place in Texas: #128 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.
How Las Colinas's 5300 filing moved
Las Colinas: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -6.7% from $102.3M (2024Q4) to $95.5M (2025Q4).
- Membership moved +1.8% from 9,918 to 10,096 over the same window.
- Net-worth ratio shifted -1.76 pp (9.32% → 7.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 23.9 pts
- Delinquency Rate 12.0 pts
- Return on Assets 3.1 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 12.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.56% | -6.06 pp |
| Delinquency Rate | 2.09% | +1.12 pp |
| Return on Assets | -0.15% | -0.81 pp |
| Member Growth | 1.79% | - |
| Loan-to-Share Ratio | 94.92% | +32.32 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $95.5M | 10,096 |
| 2024Q4 | $102.3M | 9,918 |
| 2023Q4 | $104.2M | 9,645 |
Credit Union Details
- Charter Number
- 10424
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Irving
- Data Quarter
- 2025Q4
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Las Colinas
Cross-state asset and health neighbours for Las Colinas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($95.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Las Colinas ranks #3,967 of 4,374 nationally on financial health and #349 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Edinburg Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Edinburg Teachers
- 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 Las Colinas financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Las Colinas carries a financial health score of 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,967 of 4,374; by total assets it ranks #1,860 of 4,374 nationally (same basis as /rankings/largest); and #149 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.56% net worth ratio and a 2.09% delinquency rate.
How does Las Colinas compare to other credit unions?
Five weighted metrics from NCUA filings produce Las Colinas's 63/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Las Colinas?
Las Colinas 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 Las Colinas directly for the exact boundaries and application steps.
Is my money safe at Las Colinas?
Federal credit unions like Las Colinas 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. Las Colinas's net worth ratio of 7.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Las Colinas offer compared to banks?
Credit unions like Las Colinas 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 Las Colinas 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.