Federal credit union · EL PASO, Texas · NCUA charter #2115
One Source
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $125.1M
- Total assets
- 10,843
- Members
- 8.9%
- Net-worth ratio
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 - 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)91
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)97
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.87% | 30% |
| Delinquency Rate | 0.83% | 25% |
| Return on Assets | 0.58% | 15% |
| Member Growth | 2.18% | 15% |
| Loan-to-Share Ratio | 67.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About One Source
One Source is a federal credit union headquartered in EL PASO, Texas, serving 10,843 members with $125.1M in total assets and $75.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 8.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #2115 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.83% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 67.78% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.58% on net income of $720K 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 2.18%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 One Source financially healthy?
One Source has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.87% and delinquency rate of 0.83%.
How does One Source compare to other credit unions?
PlainCU's health composite puts One Source at 90/100, 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 8.87% 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.
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.