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
- ASSETS 52/100
- MEM 23.8%
- RANK 32.40%
- PHOTO -0.75%
- BOOK $892K
- CHARTER 315
- NCUSIF #4,236/4,374
- CAMELS n/a
- HEALTH 17105
Call Report peers
Pear Orchard carries $892K 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.
Pear Orchard 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
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 - Share Insurance Coverage
Charter #17105's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Pear Orchard
Pear Orchard: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $892K (2025Q4) to $890K (2026Q1).
- Net-worth ratio shifted +0.07 pp (23.71% → 23.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for Pear Orchard - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
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
- 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 Pear Orchard financially healthy?
Pear Orchard scores 52/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,236 of 4,374; by total assets it ranks #4,255 of 4,374 nationally (same basis as /rankings/largest); and #382 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.78% net worth ratio and a 32.40% delinquency rate.
How does Pear Orchard compare to other credit unions?
52/100 is Pear Orchard's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Pear Orchard 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. Pear Orchard's net worth ratio of 23.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pear Orchard offer compared to banks?
Credit unions like Pear Orchard 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 Pear Orchard 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.