State credit union · Haslet, Texas · NCUA charter #68545
MY
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $55.2M
- Total assets
- 5,404
- Members
- 12.3%
- Net-worth ratio
MY scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.2M; members 5,404; net-worth ratio 12.32%; health rank #1,804 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,804 of 4,374 health · 2025Q4MY · health 86/100 · $55.2M · 2025Q4
- MEM 86/100
- RANK 12.3%
- PHOTO 0.36%
- BOOK 1.42%
- CHARTER $55.2M
- NCUSIF 5,404
- CAMELS #1,804/4,374
- HEALTH OLYMPIA
- NW 68545
Call Report peers
MY in the assets neighbourhood
MY's $55.2M assets sit next to OLYMPIA ($55.2M) 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.
MY 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
86 Top 43% higher than 57% 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
MY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68545, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for MY
- Largest favorable gap: Return on Assets at 1.42% vs peer 0.66% (+0.76 pp).
- Largest lag: Loan-to-Share Ratio at 60.78% vs peer 62.60% (-1.82 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for MY
- In Texas, health place is #165 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #186 of 386.
- Membership ranks #169 of 386 among Texas CUs with a reported count (5,404 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.
Quarter path for MY
MY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $55.2M (2025Q4) to $58.9M (2026Q1).
- Net-worth ratio shifted +0.32 pp (12.00% → 12.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 13.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.32% | -1.30 pp |
| Delinquency Rate | 0.36% | -0.61 pp |
| Return on Assets | 1.42% | +0.76 pp |
| Member Growth | -3.36% | - |
| Loan-to-Share Ratio | 60.78% | -1.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - MY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.9M | - |
| 2025Q4 | $55.2M | 5,404 |
| 2024Q4 | $54.3M | 5,592 |
| 2023Q4 | $54.5M | 6,176 |
Credit Union Details
- Charter Number
- 68545
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Haslet
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for MY, spread across 6 cities.
| Office | City |
|---|---|
| Haslet (Main Office) | Haslet, TX |
| Canton | Canton, TX |
| Crowley | Crowley, TX |
| Euless | Euless, TX |
| Mineola | Mineola, TX |
| Mineral Wells branch | Mineral Wells, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
MY nationwide neighbourhoods
MY's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- MY ranks #1,804 of 4,374 nationally on financial health and #165 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Big Spring Education Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Big Spring Education Employees
- 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 MY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MY carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,804 of 4,374; by total assets it ranks #2,328 of 4,374 nationally (same basis as /rankings/largest); and #186 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.32% net worth ratio and a 0.36% delinquency rate.
How does MY compare to other credit unions?
MY scores 86/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 MY?
Membership eligibility for MY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MY directly for current membership requirements and application steps.
Is my money safe at MY?
Federal credit unions like MY 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. MY's net worth ratio of 12.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MY offer compared to banks?
Credit unions like MY 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 MY 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.