Federal credit union · GRAND PRAIRIE, Texas · NCUA charter #16429
Local 20 Ibew
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $8.4M
- Total assets
- 3,903
- Members
- 6.8%
- Net-worth ratio
Local 20 Ibew scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.4M; members 3,903; net-worth ratio 6.80%; health rank #3,970 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,970 of 4,374 health · 2025Q4Local 20 Ibew · health 63/100 · $8.4M · 2025Q4
- NCUSIF 63/100
- CAMELS 6.8%
- HEALTH 3.99%
- NW 1.17%
- DELQ $8.4M
- ROA 3,903
- ASSETS #3,970/4,374
- MEM n/a
- RANK 16429
Call Report peers
Local 20 Ibew carries $8.4M 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.
Local 20 Ibew 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
Local 20 Ibew - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16429, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Local 20 Ibew vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +0.72 pp (1.17% vs 0.45%).
- Largest lag: Net Worth Ratio at 6.80% vs peer 19.06% (-12.26 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Local 20 Ibew sits in Texas
- Health composite ranks #350 of 386 among scored Texas credit unions.
- Texas assets place: #317 of 386.
- Member book place in Texas: #195 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.
Quarter path for Local 20 Ibew
Local 20 Ibew: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.4% from $8.4M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -0.36 pp (7.16% → 6.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.80% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
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 21.0 pts
- Delinquency Rate 0.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.9 pts
Local 20 Ibew health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.80% | -12.26 pp |
| Delinquency Rate | 3.99% | +2.18 pp |
| Return on Assets | 1.17% | +0.72 pp |
| Member Growth | 14.59% | - |
| Loan-to-Share Ratio | 56.88% | -6.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Local 20 Ibew quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.1M | - |
| 2025Q4 | $8.4M | 3,903 |
| 2024Q4 | $7.7M | 3,406 |
| 2023Q4 | $6.8M | 2,690 |
Credit Union Details
- Charter Number
- 16429
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- GRAND PRAIRIE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Local 20 Ibew runs one office.
| Office | City |
|---|---|
| Local 20 IBEW FCU (Main Office) | Grand Prairie, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Local 20 Ibew
Two NCUA Call Report peer sets for Local 20 Ibew, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Local 20 Ibew ranks #3,970 of 4,374 nationally on financial health and #350 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Yoakum County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Yoakum County
- 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 Local 20 Ibew financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Local 20 Ibew carries a financial health score of 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,970 of 4,374; by total assets it ranks #3,646 of 4,374 nationally (same basis as /rankings/largest); and #317 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.80% net worth ratio and a 3.99% delinquency rate.
How does Local 20 Ibew compare to other credit unions?
On PlainCU's health composite, Local 20 Ibew lands at 63/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Local 20 Ibew?
Local 20 Ibew 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 Local 20 Ibew directly for the exact boundaries and application steps.
Is my money safe at Local 20 Ibew?
Federal credit unions like Local 20 Ibew 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. Local 20 Ibew's net worth ratio of 6.80% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Local 20 Ibew offer compared to banks?
Credit unions like Local 20 Ibew 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 Local 20 Ibew 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.