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
Call Report peers
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Natural Resources Conservation Serv vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Natural Resources Conservation Serv sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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 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).
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).
- One place up in Texas, Port Terminal (#345) ties at 63/100; one place down, INTERCORP (#347) ties at 63/100.
Quarter path for Natural Resources Conservation Serv
Natural Resources Conservation Serv: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -8.1% from $5.7M (2025Q4) to $5.3M (2026Q1).
- Net-worth ratio shifted +1.47 pp (21.41% → 22.88%).
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
Natural Resources Conservation Serv gives up 37 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Natural Resources Conservation Serv financially healthy?
On its 2025Q4 NCUA 5300 filing, Natural Resources Conservation Serv scores 63/100 (Good), with a 22.88% net worth ratio and 0.67% of loans delinquent. It ranks #3,936 of 4,374 nationally on health and #346 of 386 in Texas.
How does Natural Resources Conservation Serv compare to other credit unions?
Natural Resources Conservation Serv scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (22.88% vs 19.06%). Its widest shortfall is loan-to-share ratio (40.57% vs 63.60%).
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?
Natural Resources Conservation Serv 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. Natural Resources Conservation Serv's net worth ratio of 22.88% 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.