State credit union · CORPUS CHRISTI, Texas · NCUA charter #67578
Nce
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $5.8M
- Total assets
- 1,338
- Members
- 21.2%
- Net-worth ratio
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.
Nce - 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)33
- Earnings (ROA)82
- Member growth22
- Liquidity (loan-to-share)81
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 21.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.17% | 30% |
| Delinquency Rate | 2.68% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -3.18% | 15% |
| Loan-to-Share Ratio | 57.64% | 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 | $5.8M | 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
What This Data Says About Nce
Charter #67578, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Nce, a state credit union in CORPUS CHRISTI, Texas with 1,338 members, $5.8M in total assets, and $2.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 66/100 (Good), helped by a net worth ratio of 21.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 57.64% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.68% 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 looser than peers. Return on assets stands at 0.32% on net income of $18K 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 -3.18%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.17% 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 21.17% 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.
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.