Federal credit union · TEXARKANA, Texas · NCUA charter #1
Morris Sheppard Texarkana
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $13.3M
- Total assets
- 1,254
- Members
- 9.5%
- Net-worth ratio
Morris Sheppard Texarkana - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Morris Sheppard Texarkana - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth48
- Liquidity (loan-to-share)100
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.48% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.63% | 15% |
| Member Growth | -1.03% | 15% |
| Loan-to-Share Ratio | 73.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Morris Sheppard Texarkana
1,254 members and $13.3M in total assets sit behind Morris Sheppard Texarkana, a federal credit union in TEXARKANA, Texas, which posts a health score of 89/100 (Excellent) on the five-factor composite, with $8.7M in outstanding loans as of Q4 2025 and a net worth ratio of 9.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #1 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.69% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 73.84% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.63% on net income of $84K 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 -1.03%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Morris Sheppard Texarkana financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Morris Sheppard Texarkana carries a financial health score of 89/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.48% net worth ratio and a 0.69% delinquency rate.
How does Morris Sheppard Texarkana compare to other credit unions?
On PlainCU's health composite, Morris Sheppard Texarkana lands at 89/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Morris Sheppard Texarkana 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. Morris Sheppard Texarkana's net worth ratio of 9.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Morris Sheppard Texarkana offer compared to banks?
Credit unions like Morris Sheppard Texarkana 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 Morris Sheppard Texarkana 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.