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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Pampa Municipal sits in 70-74 with 317 others.
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: 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%).
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.
- One place up in Texas, PLAINS (#295) ties at 73/100; one place down, Member Preferred (#297) ties at 73/100.
Quarter path for Pampa Municipal
Pampa Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $5.3M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.91% → 14.02%).
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
Pampa Municipal gives up 27 points in total. Delinquency Rate costs the most, 17.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Pampa Municipal financially healthy?
On its 2025Q4 NCUA 5300 filing, Pampa Municipal scores 73/100 (Very Good), with a 14.02% net worth ratio and 2.83% of loans delinquent. It ranks #3,402 of 4,374 nationally on health and #296 of 386 in Texas.
How does Pampa Municipal compare to other credit unions?
Pampa Municipal scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (97.71% vs 63.60%). Its widest shortfall is net worth ratio (14.02% vs 19.06%).
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?
Pampa Municipal is a state-chartered 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. Pampa Municipal's net worth ratio of 14.02% 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.