Federal credit union · Beaumont, Texas · NCUA charter #17105
Pear Orchard
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $892K
- Total assets
- 315
- Members
- 23.8%
- Net-worth ratio
Pear Orchard scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $892K; members 315; net-worth ratio 23.78%; health rank #4,236 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,236 of 4,374 health · 2025Q4Pear Orchard · health 52/100 · $892K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pear Orchard vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pear Orchard sits in 50-54 with 82 others.
52 3rd percentile higher than 3% 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
Pear Orchard: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 61.27% vs peer 52.70% (+8.57 pp).
- Delinquency Rate trails the peer set - 32.40% here, 4.48% peer average (+27.92 pp).
Where Pear Orchard sits in Texas
- In Texas, health place is #377 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Pear Orchard is #382 of 386 in Texas.
- Texas membership ordinal: #377 of 386.
- One place up in Texas, Frio County (#376) ties at 52/100; one place down, Empowerment Community Development (#378) ties at 52/100.
Quarter path for Pear Orchard
Pear Orchard: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $892K (2025Q4) to $890K (2026Q1).
- Net-worth ratio shifted +0.07 pp (23.71% → 23.78%).
23.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 52/100 score is built
Pear Orchard gives up 48 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 12.6 pts
Pear Orchard vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.78% | +0.85 pp |
| Delinquency Rate | 32.40% | +27.92 pp |
| Return on Assets | -0.75% | -0.97 pp |
| Member Growth | 0.32% | - |
| Loan-to-Share Ratio | 61.27% | +8.57 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $890K | - |
| 2025Q4 | $892K | 315 |
| 2024Q4 | $967K | 314 |
| 2023Q4 | $1.2M | 318 |
Credit Union Details
- Charter Number
- 17105
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- Texas
- City
- Beaumont
- Data Quarter
- 2025Q4
Branch Location
Pear Orchard operates a single office in Beaumont, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Beaumont, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Pear Orchard
Similar health score
Using this data
- Pear Orchard ranks #4,236 of 4,374 nationally on financial health and #377 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pilgrim Cucc is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pilgrim Cucc
Frequently Asked Questions
Is Pear Orchard financially healthy?
Pear Orchard has a financial health score of 52/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,236 of 4,374 nationally on health and #377 of 386 in Texas. Its net worth ratio is 23.78% and its delinquency rate 32.40%.
How does Pear Orchard compare to other credit unions?
Pear Orchard scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (61.27% vs 52.70%). Its widest shortfall is delinquency rate (32.40% vs 4.48%).
How can I join Pear Orchard?
Pear Orchard 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 Pear Orchard directly for the exact boundaries and application steps.
Is my money safe at Pear Orchard?
Pear Orchard 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. Pear Orchard's net worth ratio of 23.78% 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.