Federal credit union · Port Neches, Texas · NCUA charter #7916
NECHES
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $1.11B
- Total assets
- 81,831
- Members
- 14.6%
- Net-worth ratio
NECHES scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.11B; members 81,831; net-worth ratio 14.65%; health rank #43 of 4,374; healthier than 98th of scored peers.
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NCUA 5300 Call Report Masthead
#43 of 4,374 health · 2025Q4NECHES · health 99/100 · $1.11B · 2025Q4
Call Report peers
NECHES in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NECHES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NECHES sits in 95-99 with 391 others.
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
NECHES vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 89.45% vs peer 83.90% (+5.55 pp).
NECHES in Texas
- In Texas, health place is #4 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, NECHES is #33 of 386 in Texas.
- Member book place in Texas: #29 of 386.
- One place up in Texas, Mountain Star (#3) ties at 99/100; one place down, Dallas U.P. Employees (#5) scores 98/100, 1 point lower.
How NECHES's 5300 filing moved
NECHES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.6% from $1.11B (2025Q4) to $1.19B (2026Q1).
- Net-worth ratio shifted -0.51 pp (15.16% → 14.65%).
At 14.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
NECHES gives up 1 points in total. Member Growth costs the most, 0.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.65% | +3.47 pp |
| Delinquency Rate | 0.25% | -0.62 pp |
| Return on Assets | 0.96% | +0.46 pp |
| Member Growth | 4.54% | - |
| Loan-to-Share Ratio | 89.45% | +5.55 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.19B | - |
| 2025Q4 | $1.11B | 81,831 |
| 2024Q4 | $994.3M | 78,278 |
| 2023Q4 | $931.9M | 73,370 |
Credit Union Details
- Charter Number
- 7916
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Port Neches
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, NECHES runs 11 offices in 5 different cities.
| Office | City |
|---|---|
| Administration Office (Main Office) | Port Neches, TX |
| Dowlen Branch | Beaumont, TX |
| Pearl Branch | Beaumont, TX |
| Major Drive | Beaumont, TX |
| Bridge City Branch | Bridge City, TX |
| Lumberton | Lumberton, TX |
| Lumberton High School Branch | Lumberton, TX |
| Nederland Branch | Nederland, TX |
| Nederland High School Branch | Nederland, TX |
| Nall Branch | Port Neches, TX |
| Port Neches-Groves High School Branch | Port Neches, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for NECHES
Using this data
- NECHES ranks #43 of 4,374 nationally on financial health and #4 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIVEPOINT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIVEPOINT
Frequently Asked Questions
Is NECHES financially healthy?
NECHES has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #43 of 4,374 nationally on health and #4 of 386 in Texas. Its net worth ratio is 14.65% and its delinquency rate 0.25%.
How does NECHES compare to other credit unions?
NECHES scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.45% vs 83.90%).
How can I join NECHES?
NECHES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact NECHES directly for the exact boundaries and application steps.
Is my money safe at NECHES?
NECHES 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. NECHES's net worth ratio of 14.65% 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.