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
Call Report peers
MY in the assets neighbourhood
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
MY sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 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).
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).
- One place up in Texas, Victoria City-County Employees (#164) ties at 86/100; one place down, MEMBERS (#166) ties at 86/100.
Quarter path for MY
MY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.5% from $55.2M (2025Q4) to $58.9M (2026Q1).
- Net-worth ratio shifted +0.32 pp (12.00% → 12.32%).
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
MY gives up 14 points in total. Member Growth costs the most, 12.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MY financially healthy?
MY has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,804 of 4,374 nationally on health and #165 of 386 in Texas. Its net worth ratio is 12.32% and its delinquency rate 0.36%.
How does MY compare to other credit unions?
MY scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (1.42% vs 0.66%). Its widest shortfall is loan-to-share ratio (60.78% vs 62.60%).
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?
MY is a state-chartered 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. MY's net worth ratio of 12.32% 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.