Federal credit union · Fort Worth, Texas · NCUA charter #2158
Natural Resources Conservation Serv
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $5.7M
- Total assets
- 715
- Members
- 22.9%
- Net-worth ratio
Natural Resources Conservation Serv scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 715; net-worth ratio 22.88%; health rank #3,936 of 4,374; healthier than 9th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,936 of 4,374 health · 2025Q4Natural Resources Conservat… · health 63/100 · $5.7M · 2025Q4
- PHOTO 63/100
- BOOK 22.9%
- CHARTER 0.67%
- NCUSIF -0.85%
- CAMELS $5.7M
- HEALTH 715
- NW #3,936/4,374
- DELQ n/a
- ROA 2158
Call Report peers
Natural Resources Conservation Serv carries $5.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Natural Resources Conservation Serv 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
63 9th percentile higher than 9% 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
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.
Peer-gap read for Natural Resources Conservation Serv
- Net Worth Ratio leads the peer set - 22.88% here, 19.06% peer average (+3.82 pp).
- Loan-to-Share Ratio trails the peer set - 40.57% here, 63.60% peer average (-23.03 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Natural Resources Conservation Serv sits in Texas
- In Texas, health place is #346 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #335 of 386.
- Membership ranks #342 of 386 among Texas CUs with a reported count (715 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 Natural Resources Conservation Serv
Natural Resources Conservation Serv: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -8.1% from $5.7M (2025Q4) to $5.3M (2026Q1).
- Net-worth ratio shifted +1.47 pp (21.41% → 22.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.88% | +3.82 pp |
| Delinquency Rate | 0.67% | -1.13 pp |
| Return on Assets | -0.85% | -1.30 pp |
| Member Growth | -7.86% | - |
| Loan-to-Share Ratio | 40.57% | -23.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.3M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Natural Resources Conservation Serv runs 3 offices.
| Office | City |
|---|---|
| Office (Main Office) | Fort Worth, TX |
| Disaster Recovery Location | Fort Worth, TX |
| EECU | Fort Worth, 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.
Other-state peers near Natural Resources Conservation Serv
Natural Resources Conservation Serv's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Natural Resources Conservation Serv ranks #3,936 of 4,374 nationally on financial health and #346 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NCE
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,936 of 4,374; by total assets it ranks #3,816 of 4,374 nationally (same basis as /rankings/largest); and #335 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.88% 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 22.88% 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.
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.