Federal credit union · Borger, Texas · NCUA charter #3571
PANTEX
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $236.2M
- Total assets
- 14,653
- Members
- 21.4%
- Net-worth ratio
PANTEX scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $236.2M; members 14,653; net-worth ratio 21.36%; health rank #2,377 of 4,374; healthier than 43rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,377 of 4,374 health · 2025Q4PANTEX · health 82/100 · $236.2M · 2025Q4
Call Report peers
PANTEX in the assets neighbourhood
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PANTEX vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PANTEX sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PANTEX vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +9.25 pp (21.36% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 35.51% here, 72.20% peer average (-36.69 pp).
PANTEX: in-state Call Report ranks
- Health composite ranks #216 of 386 among scored Texas credit unions.
- By total assets, PANTEX is #93 of 386 in Texas.
- Texas membership ordinal: #100 of 386.
- One place up in Texas, Kbr Heritage (#215) ties at 82/100; one place down, LINKAGE (#217) ties at 82/100.
How PANTEX's 5300 filing moved
PANTEX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $236.2M (2025Q4) to $239.2M (2026Q1).
- Net-worth ratio shifted +0.13 pp (21.23% → 21.36%).
21.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
PANTEX gives up 18 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 8.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.36% | +9.25 pp |
| Delinquency Rate | 0.71% | -0.19 pp |
| Return on Assets | 0.71% | +0.09 pp |
| Member Growth | -2.03% | - |
| Loan-to-Share Ratio | 35.51% | -36.69 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - PANTEX
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $239.2M | - |
| 2025Q4 | $236.2M | 14,653 |
| 2024Q4 | $229.9M | 14,956 |
| 2023Q4 | $225.0M | 15,253 |
Credit Union Details
- Charter Number
- 3571
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Borger
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, PANTEX runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Borger, TX |
| WalMart Office | Borger, TX |
| Fritch Office | Fritch, TX |
| Pampa 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 PANTEX
Using this data
- PANTEX ranks #2,377 of 4,374 nationally on financial health and #216 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INVESTEX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INVESTEX
Frequently Asked Questions
Is PANTEX financially healthy?
On its 2025Q4 NCUA 5300 filing, PANTEX scores 82/100 (Excellent), with a 21.36% net worth ratio and 0.71% of loans delinquent. It ranks #2,377 of 4,374 nationally on health and #216 of 386 in Texas.
How does PANTEX compare to other credit unions?
PANTEX scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (21.36% vs 12.11%). Its widest shortfall is loan-to-share ratio (35.51% vs 72.20%).
How can I join PANTEX?
PANTEX 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 PANTEX directly for the exact boundaries and application steps.
Is my money safe at PANTEX?
PANTEX 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. PANTEX's net worth ratio of 21.36% 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.