State credit union · WACO, Texas · NCUA charter #67519
LINKAGE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $17.9M
- Total assets
- 1,902
- Members
- 18.1%
- Net-worth ratio
LINKAGE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.9M; members 1,902; net-worth ratio 18.08%; health rank #2,388 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,388 of 4,374 health · 2025Q4LINKAGE · health 82/100 · $17.9M · 2025Q4
Call Report peers
LINKAGE in the assets neighbourhood
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LINKAGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LINKAGE sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where LINKAGE diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +6.81 pp (66.61% vs 59.80%).
- Largest lag: Return on Assets at 0.49% vs peer 0.70% (-0.21 pp).
Where LINKAGE sits in Texas
- In Texas, health place is #217 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #268 of 386 inside Texas ($17.9M reported).
- Member book place in Texas: #260 of 386.
- One place up in Texas, PANTEX (#216) ties at 82/100; one place down, Cabot Community (#218) ties at 82/100.
LINKAGE Call Report trajectory
LINKAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $17.9M (2025Q4) to $17.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (18.17% → 18.08%).
This credit union's 18.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
LINKAGE gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 14.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.08% | +3.22 pp |
| Delinquency Rate | 0.71% | -0.43 pp |
| Return on Assets | 0.49% | -0.21 pp |
| Member Growth | -9.51% | - |
| Loan-to-Share Ratio | 66.61% | +6.81 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - LINKAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.9M | - |
| 2025Q4 | $17.9M | 1,902 |
| 2024Q4 | $17.5M | 2,102 |
| 2023Q4 | $18.4M | 2,171 |
Credit Union Details
- Charter Number
- 67519
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- WACO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for LINKAGE.
| Office | City |
|---|---|
| LINKAGE CREDIT UNION (Main Office) | WACO, 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.
Other-state peers near LINKAGE
Similar total assets
Using this data
- LINKAGE ranks #2,388 of 4,374 nationally on financial health and #217 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st University
Frequently Asked Questions
Is LINKAGE financially healthy?
LINKAGE has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,388 of 4,374 nationally on health and #217 of 386 in Texas. Its net worth ratio is 18.08% and its delinquency rate 0.71%.
How does LINKAGE compare to other credit unions?
LINKAGE scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.61% vs 59.80%). Its widest shortfall is return on assets (0.49% vs 0.70%).
How can I join LINKAGE?
Membership eligibility for LINKAGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LINKAGE directly for current membership requirements and application steps.
Is my money safe at LINKAGE?
LINKAGE is a state-chartered 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. LINKAGE's net worth ratio of 18.08% 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.