Federal credit union · TEXARKANA, Texas · NCUA charter #1
Morris Sheppard Texarkana
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $13.3M
- Total assets
- 1,254
- Members
- 11.2%
- Net-worth ratio
Morris Sheppard Texarkana scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.3M; members 1,254; net-worth ratio 11.21%; health rank #1,126 of 4,374; healthier than 73rd of scored peers.
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NCUA 5300 Call Report Masthead
#1,126 of 4,374 health · 2025Q4Morris Sheppard Texarkana · health 90/100 · $13.3M · 2025Q4
Call Report peers
Morris Sheppard Texarkana in the assets neighbourhood
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Morris Sheppard Texarkana vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Morris Sheppard Texarkana sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Morris Sheppard Texarkana
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +14.04 pp (73.84% vs 59.80%).
- Largest lag: Net Worth Ratio at 11.21% vs peer 14.86% (-3.65 pp).
Morris Sheppard Texarkana: in-state Call Report ranks
- Health composite ranks #106 of 386 among scored Texas credit unions.
- Texas assets place: #285 of 386.
- Membership ranks #302 of 386 among Texas CUs with a reported count (1,254 members).
- One place up in Texas, First Priority (#105) ties at 90/100; one place down, Highway District 2 (#107) scores 89/100, 1 point lower.
Morris Sheppard Texarkana Call Report trajectory
Morris Sheppard Texarkana: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $13.3M (2025Q4) to $13.4M (2026Q1).
- Net-worth ratio shifted +0.20 pp (11.01% → 11.21%).
11.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Morris Sheppard Texarkana gives up 10 points in total. Member Growth costs the most, 7.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.21% | -3.65 pp |
| Delinquency Rate | 0.69% | -0.45 pp |
| Return on Assets | 0.63% | -0.07 pp |
| Member Growth | -1.03% | - |
| Loan-to-Share Ratio | 73.84% | +14.04 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Morris Sheppard Texarkana
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.4M | - |
| 2025Q4 | $13.3M | 1,254 |
| 2024Q4 | $11.8M | 1,267 |
| 2023Q4 | $11.0M | 1,285 |
Credit Union Details
- Charter Number
- 1
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- TEXARKANA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Morris Sheppard Texarkana.
| Office | City |
|---|---|
| MORRIS SHEPPARD TEXARKANA FCU (Main Office) | TEXARKANA, TX |
| RED RIVER FCU | TEXARKANA, 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.
Nationwide credit unions with similar profiles
Using this data
- Morris Sheppard Texarkana ranks #1,126 of 4,374 nationally on financial health and #106 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coastal Bend P O is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coastal Bend P O
Frequently Asked Questions
Is Morris Sheppard Texarkana financially healthy?
Morris Sheppard Texarkana has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,126 of 4,374 nationally on health and #106 of 386 in Texas. Its net worth ratio is 11.21% and its delinquency rate 0.69%.
How does Morris Sheppard Texarkana compare to other credit unions?
Morris Sheppard Texarkana scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (73.84% vs 59.80%). Its widest shortfall is net worth ratio (11.21% vs 14.86%).
How can I join Morris Sheppard Texarkana?
Morris Sheppard Texarkana serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Morris Sheppard Texarkana directly for the current list of qualifying groups.
Is my money safe at Morris Sheppard Texarkana?
Morris Sheppard Texarkana is a federal 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. Morris Sheppard Texarkana's net worth ratio of 11.21% 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.