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
- PHOTO 91/100
- BOOK 16.7%
- CHARTER 0.14%
- NCUSIF 1.81%
- CAMELS $35.7M
- HEALTH 2,458
- NW #895/4,374
- DELQ Nebraska State Employees
- ROA 67545
Call Report peers
Matagorda County in the assets neighbourhood
Matagorda County's $35.7M assets sit next to Nebraska State Employees ($35.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% 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
Matagorda County - Share Insurance Coverage
Charter #67545's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Matagorda County
Matagorda County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $35.7M (2025Q4) to $36.7M (2026Q1).
- Net-worth ratio shifted -0.09 pp (16.83% → 16.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Matagorda County, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 Matagorda County financially healthy?
Matagorda County has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #895 of 4,374; by total assets it ranks #2,705 of 4,374 nationally (same basis as /rankings/largest); and #214 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.74% and delinquency rate of 0.14%.
How does Matagorda County compare to other credit unions?
91/100 is Matagorda County's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Matagorda County 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. Matagorda County's net worth ratio of 16.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Matagorda County offer compared to banks?
Credit unions like Matagorda County 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 Matagorda County 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.