Federal credit union · Littlefield, Texas · NCUA charter #12289
Littlefield School Employees
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $994K
- Total assets
- 217
- Members
- 18.9%
- Net-worth ratio
Littlefield School Employees scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $994K; members 217; net-worth ratio 18.95%; health rank #3,635 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,635 of 4,374 health · 2025Q4Littlefield School Employees · health 69/100 · $994K · 2025Q4
- ROA 69/100
- ASSETS 18.9%
- MEM 2.50%
- RANK 0.71%
- PHOTO $994K
- BOOK 217
- CHARTER #3,635/4,374
- NCUSIF n/a
- CAMELS 12289
Call Report peers
Littlefield School Employees carries $994K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Littlefield School 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
69 16th percentile higher than 16% 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
Littlefield School Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12289, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Littlefield School Employees
- Delinquency Rate leads the peer set - 2.50% here, 4.48% peer average (-1.98 pp).
- Loan-to-Share Ratio trails the peer set - 37.66% here, 52.70% peer average (-15.04 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Littlefield School Employees sits in Texas
- Health composite ranks #319 of 386 among scored Texas credit unions.
- Assets rank #379 of 386 inside Texas ($994K reported).
- Member book place in Texas: #380 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.
Littlefield School Employees: 2025Q4 → 2026Q1
Littlefield School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $994K (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted -0.70 pp (19.65% → 18.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.4 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for Littlefield School Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.95% | -3.98 pp |
| Delinquency Rate | 2.50% | -1.98 pp |
| Return on Assets | 0.71% | +0.49 pp |
| Member Growth | -2.25% | - |
| Loan-to-Share Ratio | 37.66% | -15.04 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Littlefield School Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.0M | - |
| 2025Q4 | $994K | 217 |
| 2024Q4 | $1.0M | 222 |
| 2023Q4 | $1.3M | 221 |
Credit Union Details
- Charter Number
- 12289
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Texas
- City
- Littlefield
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Littlefield School Employees runs one office.
| Office | City |
|---|---|
| Littlefield School Employees Federal Credit Union (Main Office) | Littlefield, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 Littlefield School Employees
Cross-state asset and health neighbours for Littlefield School Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Littlefield School Employees ranks #3,635 of 4,374 nationally on financial health and #319 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Lee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Lee
- 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 Littlefield School Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Littlefield School Employees carries a financial health score of 69/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,635 of 4,374; by total assets it ranks #4,239 of 4,374 nationally (same basis as /rankings/largest); and #379 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.95% net worth ratio and a 2.50% delinquency rate.
How does Littlefield School Employees compare to other credit unions?
69/100 is Littlefield School Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Littlefield School Employees?
Littlefield School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Littlefield School Employees directly to confirm eligibility.
Is my money safe at Littlefield School Employees?
Federal credit unions like Littlefield School 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. Littlefield School Employees's net worth ratio of 18.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Littlefield School Employees offer compared to banks?
Credit unions like Littlefield School 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 Littlefield School 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.