State credit union · Bay City, Texas · NCUA charter #67545
Matagorda County
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $35.7M
- Total assets
- 2,458
- Members
- 16.7%
- Net-worth ratio
Matagorda County scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.7M; members 2,458; net-worth ratio 16.74%; health rank #895 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#895 of 4,374 health · 2025Q4Matagorda County · health 91/100 · $35.7M · 2025Q4
Call Report peers
Matagorda County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Matagorda County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Matagorda County sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Matagorda County
- Net Worth Ratio leads the peer set - 16.74% here, 14.86% peer average (+1.88 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.04 pp (58.76% vs 59.80%).
Texas standing for Matagorda County
- Health composite ranks #85 of 386 among scored Texas credit unions.
- Texas assets place: #214 of 386.
- Membership ranks #234 of 386 among Texas CUs with a reported count (2,458 members).
- One place up in Texas, DATCU (#84) ties at 91/100; one place down, Central Texas Teachers (#86) ties at 91/100.
Quarter path for Matagorda County
Matagorda County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $35.7M (2025Q4) to $36.7M (2026Q1).
- Net-worth ratio shifted -0.09 pp (16.83% → 16.74%).
This credit union's 16.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Matagorda County gives up 9 points in total. Member Growth costs the most, 6.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 12.1 pts
Matagorda County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.74% | +1.88 pp |
| Delinquency Rate | 0.14% | -1.01 pp |
| Return on Assets | 1.81% | +1.11 pp |
| Member Growth | -0.08% | - |
| Loan-to-Share Ratio | 58.76% | -1.04 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Matagorda County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.7M | - |
| 2025Q4 | $35.7M | 2,458 |
| 2024Q4 | $34.3M | 2,460 |
| 2023Q4 | $34.5M | 2,470 |
Credit Union Details
- Charter Number
- 67545
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Bay City
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Matagorda County runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Matagorda County Credit Union (Main Office) | Bay City, TX |
| Texasgulf FCU | El Campo, TX |
| DATA SYSTEMS OF TEXAS | 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.
Cross-state Call Report peers for Matagorda County
Using this data
- Matagorda County ranks #895 of 4,374 nationally on financial health and #85 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Financial
Frequently Asked Questions
Is Matagorda County financially healthy?
Matagorda County has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #895 of 4,374 nationally on health and #85 of 386 in Texas. Its net worth ratio is 16.74% and its delinquency rate 0.14%.
How does Matagorda County compare to other credit unions?
Matagorda County scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.74% vs 14.86%). Its widest shortfall is loan-to-share ratio (58.76% vs 59.80%).
How can I join Matagorda County?
Membership eligibility for Matagorda County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Matagorda County directly for current membership requirements and application steps.
Is my money safe at Matagorda County?
Matagorda County 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. Matagorda County's net worth ratio of 16.74% 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.