State credit union · Houston, Texas · NCUA charter #62571
Memorial
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $87.7M
- Total assets
- 9,902
- Members
- 10.7%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)54
- Member growth21
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.68% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | 0.08% | 15% |
| Member Growth | -3.27% | 15% |
| Loan-to-Share Ratio | 90.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Memorial
The five-factor composite scores Memorial at 81/100 (Excellent), reflecting a net worth ratio of 10.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Houston, Texas, reports 9,902 members, $87.7M in total assets, and $70.1M in outstanding loans as of Q4 2025 under charter #62571 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Two more numbers round out the picture: a 0.56% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 90.02% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.08% on net income of $69K 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 -3.27%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.68% 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 10.68% 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.
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.