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
- PHOTO 58/100
- BOOK 17.0%
- CHARTER 1.72%
- NCUSIF -0.31%
- CAMELS $2.8M
- HEALTH 446
- NW #4,108/4,374
- DELQ n/a
- ROA 17067
Call Report peers
Our Mother of Mercy Parish Houston carries $2.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Our Mother of Mercy Parish Houston - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17067, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Our Mother of Mercy Parish Houston: 2025Q4 → 2026Q1
Our Mother of Mercy Parish Houston: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $2.8M (2025Q4) to $2.9M (2026Q1).
- Net-worth ratio shifted -1.10 pp (18.12% → 17.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Our Mother of Mercy Parish Houston, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
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
- 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 Our Mother of Mercy Parish Houston financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Our Mother of Mercy Parish Houston carries a financial health score of 58/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,108 of 4,374; by total assets it ranks #4,065 of 4,374 nationally (same basis as /rankings/largest); and #367 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.02% net worth ratio and a 1.72% delinquency rate.
How does Our Mother of Mercy Parish Houston compare to other credit unions?
Five weighted metrics from NCUA filings produce Our Mother of Mercy Parish Houston's 58/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Our Mother of Mercy Parish Houston 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. Our Mother of Mercy Parish Houston's net worth ratio of 17.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Our Mother of Mercy Parish Houston offer compared to banks?
Credit unions like Our Mother of Mercy Parish Houston 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 Our Mother of Mercy Parish Houston 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.