Federal credit union · Fort Worth, Texas · NCUA charter #577
Member Preferred
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $16.4M
- Total assets
- 1,397
- Members
- 12.0%
- Net-worth ratio
Member Preferred scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.4M; members 1,397; net-worth ratio 12.01%; health rank #3,407 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,407 of 4,374 health · 2025Q4Member Preferred · health 73/100 · $16.4M · 2025Q4
- RANK 73/100
- PHOTO 12.0%
- BOOK 2.67%
- CHARTER 0.31%
- NCUSIF $16.4M
- CAMELS 1,397
- HEALTH #3,407/4,374
- NW K C K Firemen & Police
- DELQ 577
Call Report peers
Member Preferred in the assets neighbourhood
Member Preferred's $16.4M assets sit next to K C K Firemen & Police ($16.4M) 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.
Member Preferred 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
73 21st percentile higher than 21% 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
Member Preferred - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #577 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Member Preferred
- Largest favorable gap: Loan-to-Share Ratio at 97.36% vs peer 59.80% (+37.56 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.85 pp (12.01% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Member Preferred sits in Texas
- Texas health ordinal: #297 of 386.
- Texas assets place: #274 of 386.
- Texas membership ordinal: #289 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 Member Preferred
Member Preferred: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $16.4M (2025Q4) to $16.2M (2026Q1).
- Net-worth ratio shifted -0.73 pp (12.74% → 12.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.3 pts
- Return on Assets 12.1 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 11.9 pts
Member Preferred health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.01% | -2.85 pp |
| Delinquency Rate | 2.67% | +1.53 pp |
| Return on Assets | 0.31% | -0.40 pp |
| Member Growth | 1.45% | - |
| Loan-to-Share Ratio | 97.36% | +37.56 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 - Member Preferred
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.2M | - |
| 2025Q4 | $16.4M | 1,397 |
| 2024Q4 | $16.6M | 1,377 |
| 2023Q4 | $15.4M | 1,396 |
Credit Union Details
- Charter Number
- 577
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Member Preferred.
| Office | City |
|---|---|
| Member Preferred FCU (Main Office) | Fort Worth, 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.
Other-state peers near Member Preferred
Cross-state asset and health neighbours for Member Preferred - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Member Preferred ranks #3,407 of 4,374 nationally on financial health and #297 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Corpus Christi Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Corpus Christi Postal Employees
- 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 Member Preferred financially healthy?
Member Preferred scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,407 of 4,374; by total assets it ranks #3,275 of 4,374 nationally (same basis as /rankings/largest); and #274 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.01% net worth ratio and a 2.67% delinquency rate.
How does Member Preferred compare to other credit unions?
73/100 is Member Preferred'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 Member Preferred?
Member Preferred 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 Member Preferred directly for the exact boundaries and application steps.
Is my money safe at Member Preferred?
Federal credit unions like Member Preferred 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. Member Preferred's net worth ratio of 12.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Member Preferred offer compared to banks?
Credit unions like Member Preferred 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 Member Preferred 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.