Federal credit union · Mineral Wells, Texas · NCUA charter #11761
PECO
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $3.6M
- Total assets
- 766
- Members
- 15.6%
- Net-worth ratio
PECO scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.6M; members 766; net-worth ratio 15.60%; health rank #3,158 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,158 of 4,374 health · 2025Q4PECO · health 76/100 · $3.6M · 2025Q4
Call Report peers
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PECO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PECO sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where PECO diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 78.64% here, 63.60% peer average (+15.04 pp).
- Largest lag: Net Worth Ratio at 15.60% vs peer 19.06% (-3.46 pp).
Texas standing for PECO
- In Texas, health place is #278 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, PECO is #360 of 386 in Texas.
- Member book place in Texas: #338 of 386.
- One place up in Texas, Cherokee County Teachers (#277) ties at 76/100; one place down, Smart Financial (#279) ties at 76/100.
PECO Call Report trajectory
PECO: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved -10.1% from $4.0M (2024Q4) to $3.6M (2025Q4).
- Membership moved -6.7% from 821 to 766 over the same window.
- Net-worth ratio shifted +2.95 pp (12.65% → 15.60%).
15.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
PECO gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
PECO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.60% | -3.46 pp |
| Delinquency Rate | 1.51% | -0.30 pp |
| Return on Assets | 0.80% | +0.35 pp |
| Member Growth | -6.70% | - |
| Loan-to-Share Ratio | 78.64% | +15.04 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
PECO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.6M | 766 |
| 2024Q4 | $4.0M | 821 |
| 2023Q4 | $4.6M | 840 |
Credit Union Details
- Charter Number
- 11761
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Mineral Wells
- Data Quarter
- 2025Q4
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near PECO
Similar health score
Using this data
- PECO ranks #3,158 of 4,374 nationally on financial health and #278 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PLAINS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PLAINS
Frequently Asked Questions
Is PECO financially healthy?
On its 2025Q4 NCUA 5300 filing, PECO scores 76/100 (Very Good), with a 15.60% net worth ratio and 1.51% of loans delinquent. It ranks #3,158 of 4,374 nationally on health and #278 of 386 in Texas.
How does PECO compare to other credit unions?
PECO scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.64% vs 63.60%). Its widest shortfall is net worth ratio (15.60% vs 19.06%).
How can I join PECO?
PECO 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 PECO directly for the exact boundaries and application steps.
Is my money safe at PECO?
PECO 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. PECO's net worth ratio of 15.60% 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.