Federal credit union · Richardson, Texas · NCUA charter #6012
LIFETIME
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $54.7M
- Total assets
- 4,244
- Members
- 18.3%
- Net-worth ratio
LIFETIME scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.7M; members 4,244; net-worth ratio 18.32%; health rank #3,906 of 4,374; healthier than 10th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,906 of 4,374 health · 2025Q4LIFETIME · health 64/100 · $54.7M · 2025Q4
Call Report peers
LIFETIME in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LIFETIME vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LIFETIME sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where LIFETIME diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 18.32% vs peer 13.62% (+4.70 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.10 pp (60.50% vs 62.60%).
LIFETIME: in-state Call Report ranks
- Health composite ranks #341 of 386 among scored Texas credit unions.
- Assets rank #187 of 386 inside Texas ($54.7M reported).
- Member book place in Texas: #191 of 386.
- One place up in Texas, UNITED (#340) scores 65/100, 1 point higher; one place down, SELECT (#342) ties at 64/100.
LIFETIME Call Report trajectory
LIFETIME: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $54.7M (2025Q4) to $57.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (18.51% → 18.32%).
This credit union's 18.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
LIFETIME gives up 36 points in total. Member Growth costs the most, 14.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 3.0 pts
- Member Growth 0.9 pts
- Loan-to-Share Ratio 12.8 pts
LIFETIME health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.32% | +4.70 pp |
| Delinquency Rate | 1.36% | +0.40 pp |
| Return on Assets | -0.17% | -0.82 pp |
| Member Growth | -4.50% | - |
| Loan-to-Share Ratio | 60.50% | -2.10 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
LIFETIME filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $57.0M | - |
| 2025Q4 | $54.7M | 4,244 |
| 2024Q4 | $54.7M | 4,444 |
| 2023Q4 | $56.1M | 4,597 |
Credit Union Details
- Charter Number
- 6012
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Richardson
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for LIFETIME, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Blue Cross Blue Shield Texas Bldg (Main Office) | Richardson, TX |
| Blue Cross Blue Shield Oklahoma | Tulsa, OK |
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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- LIFETIME ranks #3,906 of 4,374 nationally on financial health and #341 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MY
Frequently Asked Questions
Is LIFETIME financially healthy?
On its 2025Q4 NCUA 5300 filing, LIFETIME scores 64/100 (Good), with a 18.32% net worth ratio and 1.36% of loans delinquent. It ranks #3,906 of 4,374 nationally on health and #341 of 386 in Texas.
How does LIFETIME compare to other credit unions?
LIFETIME scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (18.32% vs 13.62%). Its widest shortfall is loan-to-share ratio (60.50% vs 62.60%).
How can I join LIFETIME?
LIFETIME 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 LIFETIME directly for the exact boundaries and application steps.
Is my money safe at LIFETIME?
LIFETIME is a federal credit union; its shares are federally 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. LIFETIME's net worth ratio of 18.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.