Federal credit union · Plainview, Texas · NCUA charter #12274
PLAINS
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $3.6M
- Total assets
- 430
- Members
- 14.8%
- Net-worth ratio
PLAINS scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.6M; members 430; net-worth ratio 14.84%; health rank #3,397 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,397 of 4,374 health · 2025Q4PLAINS · health 73/100 · $3.6M · 2025Q4
Call Report peers
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PLAINS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PLAINS 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for PLAINS
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +20.56 pp (84.16% vs 63.60%).
- Net Worth Ratio trails the peer set - 14.84% here, 19.06% peer average (-4.22 pp).
Texas standing for PLAINS
- In Texas, health place is #295 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #359 of 386.
- Membership ranks #371 of 386 among Texas CUs with a reported count (430 members).
- One place up in Texas, Members Choice (#294) scores 74/100, 1 point higher; one place down, Pampa Municipal (#296) ties at 73/100.
How PLAINS's 5300 filing moved
PLAINS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.3% from $3.6M (2025Q4) to $3.9M (2026Q1).
- Net-worth ratio shifted -1.06 pp (15.90% → 14.84%).
14.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
PLAINS gives up 27 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
PLAINS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.84% | -4.22 pp |
| Delinquency Rate | 0.07% | -1.74 pp |
| Return on Assets | -0.19% | -0.65 pp |
| Member Growth | -5.91% | - |
| Loan-to-Share Ratio | 84.16% | +20.56 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - PLAINS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.9M | - |
| 2025Q4 | $3.6M | 430 |
| 2024Q4 | $3.4M | 457 |
| 2023Q4 | $3.4M | 482 |
Credit Union Details
- Charter Number
- 12274
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Plainview
- Data Quarter
- 2025Q4
Branch Location
PLAINS operates a single office in Plainview, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Office (Main Office) | Plainview, 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.
PLAINS nationwide neighbourhoods
Similar health score
Using this data
- PLAINS ranks #3,397 of 4,374 nationally on financial health and #295 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Covenant Savings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Covenant Savings
Frequently Asked Questions
Is PLAINS financially healthy?
PLAINS has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,397 of 4,374 nationally on health and #295 of 386 in Texas. Its net worth ratio is 14.84% and its delinquency rate 0.07%.
How does PLAINS compare to other credit unions?
PLAINS 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 (84.16% vs 63.60%). Its widest shortfall is net worth ratio (14.84% vs 19.06%).
How can I join PLAINS?
PLAINS serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact PLAINS directly for the current list of qualifying groups.
Is my money safe at PLAINS?
PLAINS 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. PLAINS's net worth ratio of 14.84% 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.