State credit union · CORPUS CHRISTI, Texas · NCUA charter #67578
NCE
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $5.8M
- Total assets
- 1,338
- Members
- 20.9%
- Net-worth ratio
NCE scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.8M; members 1,338; net-worth ratio 20.86%; health rank #3,804 of 4,374; healthier than 12th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,804 of 4,374 health · 2025Q4NCE · health 66/100 · $5.8M · 2025Q4
- RANK 66/100
- PHOTO 20.9%
- BOOK 2.68%
- CHARTER 0.32%
- NCUSIF $5.8M
- CAMELS 1,338
- HEALTH #3,804/4,374
- NW n/a
- DELQ 67578
Call Report peers
NCE carries $5.8M 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.
NCE 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
66 12th percentile higher than 12% 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
NCE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67578, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for NCE
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +1.80 pp (20.86% vs 19.06%).
- Largest lag: Loan-to-Share Ratio at 57.64% vs peer 63.60% (-5.96 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
NCE in Texas
- In Texas, health place is #330 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #334 of 386.
- Texas membership ordinal: #294 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
NCE Call Report trajectory
NCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $5.8M (2025Q4) to $5.9M (2026Q1).
- Net-worth ratio shifted -0.31 pp (21.17% → 20.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.3 pts
- Return on Assets 12.2 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 12.2 pts
NCE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.86% | +1.80 pp |
| Delinquency Rate | 2.68% | +0.87 pp |
| Return on Assets | 0.32% | -0.14 pp |
| Member Growth | -3.18% | - |
| Loan-to-Share Ratio | 57.64% | -5.96 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).
Call Report history - NCE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.9M | - |
| 2025Q4 | $5.8M | 1,338 |
| 2024Q4 | $5.6M | 1,382 |
| 2023Q4 | $5.4M | 1,427 |
Credit Union Details
- Charter Number
- 67578
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- CORPUS CHRISTI
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for NCE.
| Office | City |
|---|---|
| N. C. E. CREDIT UNION (Main Office) | Corpus Christi, 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.
Other-state peers near NCE
Cross-state asset and health neighbours for NCE - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- NCE ranks #3,804 of 4,374 nationally on financial health and #330 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Natural Resources Conservation Serv is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Natural Resources Conservation Serv
- 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 NCE financially healthy?
Yes/no aside, the number is 66/100 (Good) - NCE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,804 of 4,374; by total assets it ranks #3,809 of 4,374 nationally (same basis as /rankings/largest); and #334 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.86% net worth ratio and 2.68% delinquency rate are the key drivers.
How does NCE compare to other credit unions?
PlainCU's health composite puts NCE at 66/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 NCE?
Membership eligibility for NCE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NCE directly for current membership requirements and application steps.
Is my money safe at NCE?
Federal credit unions like NCE 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. NCE's net worth ratio of 20.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NCE offer compared to banks?
Credit unions like NCE 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 NCE 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.