Federal credit union · Houston, Texas · NCUA charter #17067
Our Mother of Mercy Parish Houston
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $2.8M
- Total assets
- 446
- Members
- 17.0%
- Net-worth ratio
Our Mother of Mercy Parish Houston scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.8M; members 446; net-worth ratio 17.02%; health rank #4,108 of 4,374; healthier than 6th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,108 of 4,374 health · 2025Q4Our Mother · health 58/100 · $2.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Our Mother of Mercy Parish Houston vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Our Mother of Mercy Parish Houston sits in 55-59 with 115 others.
58 6th percentile higher than 6% 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
Peer-gap read for Our Mother of Mercy Parish Houston
- Largest favorable gap: Delinquency Rate at 1.72% vs peer 1.81% (-0.09 pp).
- Largest lag: Loan-to-Share Ratio at 53.47% vs peer 63.60% (-10.13 pp).
Our Mother of Mercy Parish Houston: in-state Call Report ranks
- Health composite ranks #363 of 386 among scored Texas credit unions.
- By total assets, Our Mother of Mercy Parish Houston is #367 of 386 in Texas.
- Member book place in Texas: #369 of 386.
- One place up in Texas, Union Square (#362) scores 59/100, 1 point higher; one place down, Gulf Coast (#364) ties at 58/100.
Our Mother of Mercy Parish Houston: 2025Q4 → 2026Q1
Our Mother of Mercy Parish Houston: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $2.8M (2025Q4) to $2.9M (2026Q1).
- Net-worth ratio shifted -1.10 pp (18.12% → 17.02%).
17.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Our Mother of Mercy Parish Houston gives up 42 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.6 pts
- Return on Assets 1.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.7 pts
Our Mother of Mercy Parish Houston vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.02% | -2.04 pp |
| Delinquency Rate | 1.72% | -0.09 pp |
| Return on Assets | -0.31% | -0.76 pp |
| Member Growth | -12.38% | - |
| Loan-to-Share Ratio | 53.47% | -10.13 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.9M | - |
| 2025Q4 | $2.8M | 446 |
| 2024Q4 | $3.1M | 509 |
| 2023Q4 | $2.8M | 563 |
Credit Union Details
- Charter Number
- 17067
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Our Mother of Mercy Parish Houston, spread across 2 cities.
| Office | City |
|---|---|
| Our Mother of Mercy Federal Credit Union (Main Office) | Houston, TX |
| Port of Houston Warehouse FCU | Houston, TX |
| Victoria City-County Emp FCU | Victoria, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Our Mother of Mercy Parish Houston ranks #4,108 of 4,374 nationally on financial health and #363 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NAVARRO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NAVARRO
Frequently Asked Questions
Is Our Mother of Mercy Parish Houston financially healthy?
On its 2025Q4 NCUA 5300 filing, Our Mother of Mercy Parish Houston scores 58/100 (Fair), with a 17.02% net worth ratio and 1.72% of loans delinquent. It ranks #4,108 of 4,374 nationally on health and #363 of 386 in Texas.
How does Our Mother of Mercy Parish Houston compare to other credit unions?
Our Mother of Mercy Parish Houston scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (1.72% vs 1.81%). Its widest shortfall is loan-to-share ratio (53.47% vs 63.60%).
How can I join Our Mother of Mercy Parish Houston?
Our Mother of Mercy Parish Houston 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 Our Mother of Mercy Parish Houston directly for the exact boundaries and application steps.
Is my money safe at Our Mother of Mercy Parish Houston?
Our Mother of Mercy Parish Houston 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. Our Mother of Mercy Parish Houston's net worth ratio of 17.02% 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.