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
- BOOK 81/100
- CHARTER 10.9%
- NCUSIF 0.56%
- CAMELS 0.08%
- HEALTH $87.7M
- NW 9,902
- DELQ #2,620/4,374
- ROA FOOTHILLS
- ASSETS 62571
Call Report peers
MEMORIAL in the assets neighbourhood
MEMORIAL's $87.7M assets sit next to FOOTHILLS ($87.5M) 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.
MEMORIAL 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
81 39th percentile higher than 39% 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
MEMORIAL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62571, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 MEMORIAL
MEMORIAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.2% from $87.7M (2025Q4) to $85.7M (2026Q1).
- Net-worth ratio shifted +0.25 pp (10.68% → 10.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for MEMORIAL, 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 ($87.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 MEMORIAL financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - MEMORIAL'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 #2,620 of 4,374; by total assets it ranks #1,938 of 4,374 nationally (same basis as /rankings/largest); and #153 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.93% net worth ratio and 0.56% delinquency rate are the key drivers.
How does MEMORIAL compare to other credit unions?
On PlainCU's health composite, MEMORIAL lands at 81/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like MEMORIAL 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. MEMORIAL's net worth ratio of 10.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MEMORIAL offer compared to banks?
Credit unions like MEMORIAL 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 MEMORIAL 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.