Federal credit union · Fort Worth, Texas · NCUA charter #2158
Natural Resources Conservation Serv
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $5.7M
- Total assets
- 715
- Members
- 21.4%
- Net-worth ratio
Natural Resources Conservation Serv - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2158, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Natural Resources Conservation Serv - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)64
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.41% 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 | 21.41% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | -0.85% | 15% |
| Member Growth | -7.86% | 15% |
| Loan-to-Share Ratio | 40.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.7M | 715 |
| 2024Q4 | $6.2M | 776 |
| 2023Q4 | $7.5M | 883 |
Credit Union Details
- Charter Number
- 2158
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
What This Data Says About Natural Resources Conservation Serv
Charter #2158, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Natural Resources Conservation Serv, a federal credit union in Fort Worth, Texas with 715 members, $5.7M in total assets, and $1.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 63/100 (Good), helped by a net worth ratio of 21.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 40.57% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.67% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at -0.85% on net income of $-48776 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 -7.86%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Natural Resources Conservation Serv financially healthy?
Natural Resources Conservation Serv scores 63/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 21.41% net worth ratio and a 0.67% delinquency rate.
How does Natural Resources Conservation Serv compare to other credit unions?
Five weighted metrics from NCUA filings produce Natural Resources Conservation Serv's 63/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Natural Resources Conservation Serv?
Natural Resources Conservation Serv carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Natural Resources Conservation Serv directly to confirm current membership steps.
Is my money safe at Natural Resources Conservation Serv?
Federal credit unions like Natural Resources Conservation Serv 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. Natural Resources Conservation Serv's net worth ratio of 21.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Natural Resources Conservation Serv offer compared to banks?
Credit unions like Natural Resources Conservation Serv 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 Natural Resources Conservation Serv 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.