Federal credit union · Dumas, Texas · NCUA charter #11458
Moore County Schools
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $5.4M
- Total assets
- 811
- Members
- 12.3%
- Net-worth ratio
Moore County Schools scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.4M; members 811; net-worth ratio 12.28%; health rank #3,914 of 4,374; healthier than 10th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,914 of 4,374 health · 2025Q4Moore County Schools · health 64/100 · $5.4M · 2025Q4
- BOOK 64/100
- CHARTER 12.3%
- NCUSIF 1.65%
- CAMELS -0.73%
- HEALTH $5.4M
- NW 811
- DELQ #3,914/4,374
- ROA n/a
- ASSETS 11458
Call Report peers
Moore County Schools carries $5.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Moore County Schools 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
64 10th percentile higher than 10% 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
Moore County Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11458 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Moore County Schools: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.41% here, 63.60% peer average (+14.81 pp).
- Net Worth Ratio trails the peer set - 12.28% here, 19.06% peer average (-6.78 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Moore County Schools in Texas
- Health composite ranks #343 of 386 among scored Texas credit unions.
- Texas assets place: #340 of 386.
- Membership ranks #333 of 386 among Texas CUs with a reported count (811 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Moore County Schools Call Report trajectory
Moore County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.1% from $5.4M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.34 pp (11.94% → 12.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.1 pts
- Return on Assets 0.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 14.7 pts
Moore County Schools health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.28% | -6.78 pp |
| Delinquency Rate | 1.65% | -0.16 pp |
| Return on Assets | -0.73% | -1.18 pp |
| Member Growth | -2.64% | - |
| Loan-to-Share Ratio | 78.41% | +14.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Moore County Schools filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.2M | - |
| 2025Q4 | $5.4M | 811 |
| 2024Q4 | $6.2M | 833 |
| 2023Q4 | $7.8M | 814 |
Credit Union Details
- Charter Number
- 11458
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Dumas
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Moore County Schools.
| Office | City |
|---|---|
| Moore County Schools FCU (Main Office) | Dumas, 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.
Moore County Schools nationwide neighbourhoods
Moore County Schools's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Moore County Schools ranks #3,914 of 4,374 nationally on financial health and #343 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Frio County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Frio County
- 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 Moore County Schools financially healthy?
Moore County Schools has a financial health score of 64/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,914 of 4,374; by total assets it ranks #3,852 of 4,374 nationally (same basis as /rankings/largest); and #340 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.28% and delinquency rate of 1.65%.
How does Moore County Schools compare to other credit unions?
PlainCU's health composite puts Moore County Schools at 64/100, compared to a peer group average for $2M–$10M 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 Moore County Schools?
Moore County Schools 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 Moore County Schools directly for the exact boundaries and application steps.
Is my money safe at Moore County Schools?
Federal credit unions like Moore County Schools 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. Moore County Schools's net worth ratio of 12.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Moore County Schools offer compared to banks?
Credit unions like Moore County Schools 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 Moore County Schools 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.