State credit union · Houston, Texas · NCUA charter #62571
MEMORIAL
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $87.7M
- Total assets
- 9,902
- Members
- 10.9%
- Net-worth ratio
MEMORIAL scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.7M; members 9,902; net-worth ratio 10.93%; health rank #2,620 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,620 of 4,374 health · 2025Q4MEMORIAL · health 81/100 · $87.7M · 2025Q4
Call Report peers
MEMORIAL in the assets neighbourhood
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MEMORIAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MEMORIAL sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MEMORIAL vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 90.02% vs peer 62.60% (+27.42 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.69 pp (10.93% vs 13.62%).
MEMORIAL: in-state Call Report ranks
- Health composite ranks #236 of 386 among scored Texas credit unions.
- Assets rank #153 of 386 inside Texas ($87.7M reported).
- Texas membership ordinal: #130 of 386.
- One place up in Texas, Greater Central Texas (#235) ties at 81/100; one place down, Common Cents (#237) ties at 81/100.
Quarter path for MEMORIAL
MEMORIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.2% from $87.7M (2025Q4) to $85.7M (2026Q1).
- Net-worth ratio shifted +0.25 pp (10.68% → 10.93%).
This credit union's 10.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
MEMORIAL gives up 19 points in total. Member Growth costs the most, 11.9 of its 15; Loan-to-Share Ratio and Net Worth Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 8.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 15.5 pts
MEMORIAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.93% | -2.69 pp |
| Delinquency Rate | 0.56% | -0.40 pp |
| Return on Assets | 0.08% | -0.58 pp |
| Member Growth | -3.27% | - |
| Loan-to-Share Ratio | 90.02% | +27.42 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
MEMORIAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $85.7M | - |
| 2025Q4 | $87.7M | 9,902 |
| 2024Q4 | $93.4M | 10,237 |
| 2023Q4 | $94.6M | 10,622 |
Credit Union Details
- Charter Number
- 62571
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, MEMORIAL runs 5 offices.
| Office | City |
|---|---|
| EXECUTIVE BRANCH (Main Office) | Houston, TX |
| Memorial City Branch #2 | Houston, TX |
| Southwest Branch Br-6 | Houston, TX |
| Drive Thru Location Br-7 | Houston, TX |
| Northwest Branch Br-4 | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for MEMORIAL
Using this data
- MEMORIAL ranks #2,620 of 4,374 nationally on financial health and #236 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U. S. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U. S. Employees
Frequently Asked Questions
Is MEMORIAL financially healthy?
On its 2025Q4 NCUA 5300 filing, MEMORIAL scores 81/100 (Excellent), with a 10.93% net worth ratio and 0.56% of loans delinquent. It ranks #2,620 of 4,374 nationally on health and #236 of 386 in Texas.
How does MEMORIAL compare to other credit unions?
MEMORIAL scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (90.02% vs 62.60%). Its widest shortfall is net worth ratio (10.93% vs 13.62%).
How can I join MEMORIAL?
Membership eligibility for MEMORIAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMORIAL directly for current membership requirements and application steps.
Is my money safe at MEMORIAL?
MEMORIAL 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. MEMORIAL's net worth ratio of 10.93% 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.