Federal credit union · Palestine, Texas · NCUA charter #1129
Mopac Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $22.1M
- Total assets
- 2,409
- Members
- 9.6%
- Net-worth ratio
Mopac Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.1M; members 2,409; net-worth ratio 9.56%; health rank #1,326 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,326 of 4,374 health · 2025Q4Mopac Employees · health 89/100 · $22.1M · 2025Q4
- BOOK 89/100
- CHARTER 9.6%
- NCUSIF 0.65%
- CAMELS 0.61%
- HEALTH $22.1M
- NW 2,409
- DELQ #1,326/4,374
- ROA Western PA
- ASSETS 1129
Call Report peers
Mopac Employees in the assets neighbourhood
Mopac Employees's $22.1M assets sit next to Western PA ($22.1M) 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.
Mopac Employees 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
89 Top 31% higher than 69% 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
Mopac Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1129. See our deposit-insurance coverage note.
Mopac Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 102.96% here, 59.80% peer average (+43.16 pp).
- Largest lag: Net Worth Ratio at 9.56% vs peer 14.86% (-5.30 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Mopac Employees
- Health composite ranks #124 of 386 among scored Texas credit unions.
- Assets rank #247 of 386 inside Texas ($22.1M reported).
- Member book place in Texas: #238 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 Mopac Employees
Mopac Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $22.1M (2025Q4) to $22.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.69% → 9.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 23.5 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 9.6 pts
Call Report ratios for Mopac Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.56% | -5.30 pp |
| Delinquency Rate | 0.65% | -0.49 pp |
| Return on Assets | 0.61% | -0.09 pp |
| Member Growth | 2.47% | - |
| Loan-to-Share Ratio | 102.96% | +43.16 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).
Mopac Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.5M | - |
| 2025Q4 | $22.1M | 2,409 |
| 2024Q4 | $21.7M | 2,351 |
| 2023Q4 | $20.6M | 2,288 |
Credit Union Details
- Charter Number
- 1129
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Palestine
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Mopac Employees runs one office.
| Office | City |
|---|---|
| MOPAC EMPLOYEES FCU (Main Office) | Palestine, 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 Mopac Employees
Mopac Employees's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Mopac Employees ranks #1,326 of 4,374 nationally on financial health and #124 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northeast Panhandle Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northeast Panhandle Teachers
- 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 Mopac Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mopac Employees carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,326 of 4,374; by total assets it ranks #3,078 of 4,374 nationally (same basis as /rankings/largest); and #247 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.56% net worth ratio and a 0.65% delinquency rate.
How does Mopac Employees compare to other credit unions?
Mopac Employees scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Mopac Employees?
Mopac Employees 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 Mopac Employees directly for the exact boundaries and application steps.
Is my money safe at Mopac Employees?
Federal credit unions like Mopac Employees 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. Mopac Employees's net worth ratio of 9.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mopac Employees offer compared to banks?
Credit unions like Mopac Employees 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 Mopac Employees 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.