State credit union · Pampa, Texas · NCUA charter #67621
Pampa Municipal
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $5.3M
- Total assets
- 587
- Members
- 14.0%
- Net-worth ratio
Pampa Municipal scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.3M; members 587; net-worth ratio 14.02%; health rank #3,402 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,402 of 4,374 health · 2025Q4Pampa Municipal · health 73/100 · $5.3M · 2025Q4
- MEM 73/100
- RANK 14.0%
- PHOTO 2.83%
- BOOK 1.48%
- CHARTER $5.3M
- NCUSIF 587
- CAMELS #3,402/4,374
- HEALTH n/a
- NW 67621
Call Report peers
Pampa Municipal carries $5.3M 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.
Pampa Municipal 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
73 21st percentile higher than 21% 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
Pampa Municipal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67621. See our deposit-insurance coverage note.
Pampa Municipal: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 97.71% here, 63.60% peer average (+34.11 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.04 pp (14.02% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pampa Municipal: in-state Call Report ranks
- Texas health ordinal: #296 of 386.
- Texas assets place: #342 of 386.
- Member book place in Texas: #358 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.
Quarter path for Pampa Municipal
Pampa Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $5.3M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.91% → 14.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 11.5 pts
Pampa Municipal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.02% | -5.04 pp |
| Delinquency Rate | 2.83% | +1.03 pp |
| Return on Assets | 1.48% | +1.03 pp |
| Member Growth | 0.17% | - |
| Loan-to-Share Ratio | 97.71% | +34.11 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 | $5.4M | - |
| 2025Q4 | $5.3M | 587 |
| 2024Q4 | $5.1M | 586 |
| 2023Q4 | $4.9M | 571 |
Credit Union Details
- Charter Number
- 67621
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Pampa
- Data Quarter
- 2025Q4
Branch Location
Pampa Municipal operates a single office in pampa, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| pampa municipal credit union (Main Office) | pampa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Pampa Municipal
Two NCUA Call Report peer sets for Pampa Municipal, 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 (73/100 here).
Using this data
- Pampa Municipal ranks #3,402 of 4,374 nationally on financial health and #296 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Frio County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Frio County
- 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 Pampa Municipal financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Pampa Municipal'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 #3,402 of 4,374; by total assets it ranks #3,862 of 4,374 nationally (same basis as /rankings/largest); and #342 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.02% net worth ratio and 2.83% delinquency rate are the key drivers.
How does Pampa Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Pampa Municipal's 73/100 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 Pampa Municipal?
Membership eligibility for Pampa Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pampa Municipal directly for current membership requirements and application steps.
Is my money safe at Pampa Municipal?
Federal credit unions like Pampa Municipal 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. Pampa Municipal's net worth ratio of 14.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pampa Municipal offer compared to banks?
Credit unions like Pampa Municipal 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 Pampa Municipal 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.