Federal credit union · Sinton, Texas · NCUA charter #11721
NSPIRE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $29.6M
- Total assets
- 2,595
- Members
- 13.1%
- Net-worth ratio
NSPIRE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.6M; members 2,595; net-worth ratio 13.05%; health rank #2,426 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,426 of 4,374 health · 2025Q4NSPIRE · health 82/100 · $29.6M · 2025Q4
- RANK 82/100
- PHOTO 13.1%
- BOOK 1.15%
- CHARTER 0.17%
- NCUSIF $29.6M
- CAMELS 2,595
- HEALTH #2,426/4,374
- NW Manville Area
- DELQ 11721
Call Report peers
NSPIRE in the assets neighbourhood
NSPIRE's $29.6M assets sit next to Manville Area ($29.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NSPIRE 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
82 43rd percentile higher than 43% 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
NSPIRE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11721, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for NSPIRE
- Loan-to-Share Ratio leads the peer set - 87.55% here, 59.80% peer average (+27.75 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.81 pp (13.05% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where NSPIRE sits in Texas
- Health composite ranks #220 of 386 among scored Texas credit unions.
- Assets rank #225 of 386 inside Texas ($29.6M reported).
- Texas membership ordinal: #229 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.
NSPIRE: 2025Q4 → 2026Q1
NSPIRE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $29.6M (2025Q4) to $30.2M (2026Q1).
- Net-worth ratio shifted -0.47 pp (13.52% → 13.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 10.1 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.8 pts
NSPIRE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.05% | -1.81 pp |
| Delinquency Rate | 1.15% | +0.00 pp |
| Return on Assets | 0.17% | -0.53 pp |
| Member Growth | -0.42% | - |
| Loan-to-Share Ratio | 87.55% | +27.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.2M | - |
| 2025Q4 | $29.6M | 2,595 |
| 2024Q4 | $29.3M | 2,606 |
| 2023Q4 | $29.1M | 3,542 |
Credit Union Details
- Charter Number
- 11721
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Sinton
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, NSPIRE runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| San Patricio Co Teachers FCU (Main Office) | Sinton, TX |
| San Patricio Co Teachers FCU | Portland, 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 NSPIRE
Two NCUA Call Report peer sets for NSPIRE, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- NSPIRE ranks #2,426 of 4,374 nationally on financial health and #220 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNITED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNITED
- 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 NSPIRE financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - NSPIRE'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 #2,426 of 4,374; by total assets it ranks #2,862 of 4,374 nationally (same basis as /rankings/largest); and #225 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.05% net worth ratio and 1.15% delinquency rate are the key drivers.
How does NSPIRE compare to other credit unions?
Five weighted metrics from NCUA filings produce NSPIRE's 82/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 NSPIRE?
NSPIRE 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 NSPIRE directly for the exact boundaries and application steps.
Is my money safe at NSPIRE?
Federal credit unions like NSPIRE 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. NSPIRE's net worth ratio of 13.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NSPIRE offer compared to banks?
Credit unions like NSPIRE 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 NSPIRE 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.