State credit union · Dallas, Texas · NCUA charter #67681
Neighborhood
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.13B
- Total assets
- 67,729
- Members
- 8.5%
- Net-worth ratio
Neighborhood - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67681 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Neighborhood - 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)88
- Asset quality (delinquency)69
- Earnings (ROA)88
- Member growth38
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.51% | 30% |
| Delinquency Rate | 1.38% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | -1.81% | 15% |
| Loan-to-Share Ratio | 77.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.13B | 67,729 |
| 2024Q4 | $1.12B | 68,976 |
| 2023Q4 | $1.08B | 62,006 |
Credit Union Details
- Charter Number
- 67681
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
What This Data Says About Neighborhood
Headquartered in Dallas, Texas, Neighborhood is a state credit union with 67,729 members, $1.13B in total assets, and $776.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 8.51% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67681 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.38% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 77.75% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.38% on net income of $4.3M 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 -1.81%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Neighborhood financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Neighborhood's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.51% net worth ratio and 1.38% delinquency rate are the key drivers.
How does Neighborhood compare to other credit unions?
PlainCU's health composite puts Neighborhood at 77/100, compared to a peer group average for Over $500M 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 Neighborhood?
Membership eligibility for Neighborhood depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Neighborhood directly for current membership requirements and application steps.
Is my money safe at Neighborhood?
Federal credit unions like Neighborhood 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. Neighborhood's net worth ratio of 8.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Neighborhood offer compared to banks?
Credit unions like Neighborhood 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 Neighborhood 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.