Federal credit union · TYLER, Texas · NCUA charter #10481
MCMURREY
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $21.6M
- Total assets
- 1,725
- Members
- 14.9%
- Net-worth ratio
MCMURREY scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.6M; members 1,725; net-worth ratio 14.88%; health rank #3,456 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,456 of 4,374 health · 2025Q4MCMURREY · health 72/100 · $21.6M · 2025Q4
- MEM 72/100
- RANK 14.9%
- PHOTO 1.07%
- BOOK -0.27%
- CHARTER $21.6M
- NCUSIF 1,725
- CAMELS #3,456/4,374
- HEALTH St. Vincent's Medical Center
- NW 10481
Call Report peers
MCMURREY in the assets neighbourhood
MCMURREY's $21.6M assets sit next to St. Vincent's Medical Center ($21.6M) 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.
MCMURREY 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
72 20th percentile higher than 20% 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
MCMURREY - Share Insurance Coverage
Charter #10481'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.
MCMURREY: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 66.16% here, 59.80% peer average (+6.36 pp).
- Return on Assets trails the peer set - -0.27% here, 0.70% peer average (-0.98 pp).
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 MCMURREY
- In Texas, health place is #303 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, MCMURREY is #249 of 386 in Texas.
- Member book place in Texas: #270 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 MCMURREY
MCMURREY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $21.6M (2025Q4) to $22.2M (2026Q1).
- Net-worth ratio shifted -0.54 pp (15.42% → 14.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 2.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for MCMURREY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.88% | +0.02 pp |
| Delinquency Rate | 1.07% | -0.08 pp |
| Return on Assets | -0.27% | -0.98 pp |
| Member Growth | -1.43% | - |
| Loan-to-Share Ratio | 66.16% | +6.36 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).
MCMURREY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.2M | - |
| 2025Q4 | $21.6M | 1,725 |
| 2024Q4 | $23.1M | 1,750 |
| 2023Q4 | $23.6M | 1,742 |
Credit Union Details
- Charter Number
- 10481
- Type
- Federal
- Field of Membership
- Government
- Peer Group
- $10M–$50M
- State
- Texas
- City
- TYLER
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, MCMURREY runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Tyler, TX |
| Southside State Bank | Tyler, TX |
| Sharetec | Waco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
MCMURREY's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- MCMURREY ranks #3,456 of 4,374 nationally on financial health and #303 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Priority is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Priority
- 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 MCMURREY financially healthy?
Yes/no aside, the number is 72/100 (Very Good) - MCMURREY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,456 of 4,374; by total assets it ranks #3,096 of 4,374 nationally (same basis as /rankings/largest); and #249 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.88% net worth ratio and 1.07% delinquency rate are the key drivers.
How does MCMURREY compare to other credit unions?
PlainCU's health composite puts MCMURREY at 72/100, 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 MCMURREY?
MCMURREY is chartered around a single common bond (Government), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact MCMURREY directly to confirm eligibility.
Is my money safe at MCMURREY?
Federal credit unions like MCMURREY 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. MCMURREY's net worth ratio of 14.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MCMURREY offer compared to banks?
Credit unions like MCMURREY 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 MCMURREY 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.