Federal credit union · EL PASO, Texas · NCUA charter #2115
One Source
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $125.1M
- Total assets
- 10,843
- Members
- 10.3%
- Net-worth ratio
One Source scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $125.1M; members 10,843; net-worth ratio 10.35%; health rank #671 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#671 of 4,374 health · 2025Q4One Source · health 93/100 · $125.1M · 2025Q4
- HEALTH 93/100
- NW 10.3%
- DELQ 0.83%
- ROA 0.58%
- ASSETS $125.1M
- MEM 10,843
- RANK #671/4,374
- PHOTO TRADEMARK
- BOOK 2115
Call Report peers
One Source in the assets neighbourhood
One Source's $125.1M assets sit next to TRADEMARK ($125.0M) 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.
One Source 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
93 Top 16% higher than 84% 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
One Source - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2115: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
One Source: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.83% here, 0.89% peer average (-0.06 pp).
- Largest lag: Loan-to-Share Ratio at 67.78% vs peer 72.20% (-4.42 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
One Source: in-state Call Report ranks
- In Texas, health place is #62 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #131 of 386 inside Texas ($125.1M reported).
- Membership ranks #125 of 386 among Texas CUs with a reported count (10,843 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
One Source Call Report trajectory
One Source: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $125.1M (2025Q4) to $125.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (10.42% → 10.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -1.76 pp |
| Delinquency Rate | 0.83% | -0.06 pp |
| Return on Assets | 0.58% | -0.05 pp |
| Member Growth | 2.18% | - |
| Loan-to-Share Ratio | 67.78% | -4.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $125.1M | - |
| 2025Q4 | $125.1M | 10,843 |
| 2024Q4 | $124.1M | 10,612 |
| 2023Q4 | $127.0M | 10,100 |
Credit Union Details
- Charter Number
- 2115
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- EL PASO
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, One Source runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | El Paso, TX |
| Westside Branch | El Paso, TX |
| Las Cruces Branch | Las Cruces, NM |
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 One Source
Two NCUA Call Report peer sets for One Source, 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 ($125.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- One Source ranks #671 of 4,374 nationally on financial health and #62 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Community
- 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 One Source financially healthy?
One Source has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #671 of 4,374; by total assets it ranks #1,642 of 4,374 nationally (same basis as /rankings/largest); and #131 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.35% and delinquency rate of 0.83%.
How does One Source compare to other credit unions?
PlainCU's health composite puts One Source at 93/100, compared to a peer group average for $100M–$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 One Source?
One Source 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 One Source directly for the exact boundaries and application steps.
Is my money safe at One Source?
Federal credit unions like One Source 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. One Source's net worth ratio of 10.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does One Source offer compared to banks?
Credit unions like One Source 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 One Source 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.