Federal credit union · Littlefield, Texas · NCUA charter #12289
Littlefield School Employees
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $994K
- Total assets
- 217
- Members
- 19.6%
- Net-worth ratio
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.
Littlefield School Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)38
- Earnings (ROA)100
- Member growth33
- Liquidity (loan-to-share)63
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
19.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.65% | 30% |
| Delinquency Rate | 2.50% | 25% |
| Return on Assets | 0.71% | 15% |
| Member Growth | -2.25% | 15% |
| Loan-to-Share Ratio | 37.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Littlefield School Employees
Headquartered in Littlefield, Texas, Littlefield School Employees is a federal credit union with 217 members, $994K in total assets, and $299K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 69/100 (Good), driven in part by a net worth ratio of 19.65% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #12289 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 37.66% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.50% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.71% on net income of $7K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.25%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.65% 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 19.65% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.