Federal credit union · Waco, Texas · NCUA charter #10461
Mclennan County Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $21.0M
- Total assets
- 1,333
- Members
- 26.2%
- Net-worth ratio
Mclennan County Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10461: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mclennan County 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)100
- Earnings (ROA)26
- Member growth62
- Liquidity (loan-to-share)68
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
26.21% 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 | 26.21% | 30% |
| Delinquency Rate | 0.02% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | 0.23% | 15% |
| Loan-to-Share Ratio | 46.29% | 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 | $21.0M | 1,333 |
| 2024Q4 | $21.1M | 1,330 |
| 2023Q4 | $22.7M | 1,319 |
Credit Union Details
- Charter Number
- 10461
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Waco
- Data Quarter
- 2025Q4
What This Data Says About Mclennan County Employees
1,333 members and $21.0M in total assets sit behind Mclennan County Employees, a federal credit union in Waco, Texas, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $7.1M in outstanding loans as of Q4 2025 and a net worth ratio of 26.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #10461 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.02% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 46.29% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.06% on net income of $-12436 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 0.23%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Mclennan County Employees financially healthy?
Mclennan County Employees has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 26.21% and delinquency rate of 0.02%.
How does Mclennan County Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Mclennan County Employees's 78/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Mclennan County Employees?
Mclennan County Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Mclennan County Employees directly to confirm current membership steps.
Is my money safe at Mclennan County Employees?
Federal credit unions like Mclennan County 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. Mclennan County Employees's net worth ratio of 26.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mclennan County Employees offer compared to banks?
Credit unions like Mclennan County 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 Mclennan County 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.