Federal credit union · MARSHALL, Texas · NCUA charter #5686
Marshall T & P Employees
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $16.6M
- Total assets
- 1,415
- Members
- 18.2%
- Net-worth ratio
Marshall T & P Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5686. See our deposit-insurance coverage note.
Marshall T & P Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)85
- Member growth70
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 18.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.19% | 30% |
| Delinquency Rate | 0.50% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | 1.22% | 15% |
| Loan-to-Share Ratio | 77.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.6M | 1,415 |
| 2024Q4 | $15.2M | 1,398 |
| 2023Q4 | $13.9M | 1,389 |
Credit Union Details
- Charter Number
- 5686
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- MARSHALL
- Data Quarter
- 2025Q4
What This Data Says About Marshall T & P Employees
Marshall T & P Employees is a federal credit union headquartered in MARSHALL, Texas, serving 1,415 members with $16.6M in total assets and $10.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 93/100 (Excellent), anchored by a net worth ratio of 18.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #5686 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.50% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 77.63% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.35% on net income of $58K 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 1.22%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
- CORPUS CHRISTI POSTAL EMPLOYEESCorpus Christi, TX · $10M–$50M95Health
- MEMBER PREFERREDFort Worth, TX · $10M–$50M73Health
- TXDOTAbilene, TX · $10M–$50M90Health
- SEAGOVILLESeagoville, TX · $10M–$50M86Health
- MIDLAND MUNICIPAL EMPLOYEESMidland, TX · $10M–$50M78Health
Compare Marshall T & P Employees vs CORPUS CHRISTI POSTAL EMPLOYEES
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 Marshall T & P Employees financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Marshall T & P Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.19% net worth ratio and 0.50% delinquency rate are the key drivers.
How does Marshall T & P Employees compare to other credit unions?
PlainCU's health composite puts Marshall T & P Employees at 93/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Marshall T & P Employees?
Marshall T & P Employees 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 Marshall T & P Employees directly for the exact boundaries and application steps.
Is my money safe at Marshall T & P Employees?
Federal credit unions like Marshall T & P 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. Marshall T & P Employees's net worth ratio of 18.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Marshall T & P Employees offer compared to banks?
Credit unions like Marshall T & P 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 Marshall T & P 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.