Federal credit union · Pharr, Texas · NCUA charter #10994
NAFT
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $147.7M
- Total assets
- 12,078
- Members
- 17.0%
- Net-worth ratio
NAFT scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $147.7M; members 12,078; net-worth ratio 17.04%; health rank #457 of 4,374; healthier than 87th of scored peers.
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NCUA 5300 Call Report Masthead
#457 of 4,374 health · 2025Q4NAFT · health 94/100 · $147.7M · 2025Q4
Call Report peers
NAFT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NAFT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NAFT sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where NAFT diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +4.93 pp (17.04% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.21 pp (56.99% vs 72.20%).
Texas standing for NAFT
- Texas health ordinal: #43 of 386.
- Assets rank #122 of 386 inside Texas ($147.7M reported).
- Texas membership ordinal: #114 of 386.
- One place up in Texas, BORDER (#42) ties at 94/100; one place down, Ila 1351 (#44) ties at 94/100.
NAFT: 2025Q4 → 2026Q1
NAFT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $147.7M (2025Q4) to $152.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (17.11% → 17.04%).
At 17.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
NAFT gives up 6 points in total. Loan-to-Share Ratio costs the most, 2.9 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 12.3 pts
- Loan-to-Share Ratio 11.7 pts
NAFT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.04% | +4.93 pp |
| Delinquency Rate | 0.43% | -0.46 pp |
| Return on Assets | 1.58% | +0.95 pp |
| Member Growth | 2.72% | - |
| Loan-to-Share Ratio | 56.99% | -15.21 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
NAFT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $152.1M | - |
| 2025Q4 | $147.7M | 12,078 |
| 2024Q4 | $133.6M | 11,758 |
| 2023Q4 | $130.1M | 11,762 |
Credit Union Details
- Charter Number
- 10994
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Pharr
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, NAFT runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| NAFT Federal Credit Union - Main Office (Main Office) | Pharr, TX |
| NAFT Federal Credit Union WW | Harlingen, TX |
| NAFT Federal Credit Union SRO | Pharr, 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.
Cross-state Call Report peers for NAFT
Using this data
- NAFT ranks #457 of 4,374 nationally on financial health and #43 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 4U is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 4U
Frequently Asked Questions
Is NAFT financially healthy?
NAFT has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #457 of 4,374 nationally on health and #43 of 386 in Texas. Its net worth ratio is 17.04% and its delinquency rate 0.43%.
How does NAFT compare to other credit unions?
NAFT scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.04% vs 12.11%). Its widest shortfall is loan-to-share ratio (56.99% vs 72.20%).
How can I join NAFT?
NAFT 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 NAFT directly for the exact boundaries and application steps.
Is my money safe at NAFT?
NAFT 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. NAFT's net worth ratio of 17.04% 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.