Federal credit union · EL PASO, Texas · NCUA charter #1409
RAIZ
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.08B
- Total assets
- 78,235
- Members
- 10.0%
- Net-worth ratio
RAIZ scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.08B; members 78,235; net-worth ratio 9.97%; health rank #1,316 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,316 of 4,374 health · 2025Q4RAIZ · health 89/100 · $1.08B · 2025Q4
- CAMELS 89/100
- HEALTH 10.0%
- NW 0.88%
- DELQ 0.33%
- ROA $1.08B
- ASSETS 78,235
- MEM #1,316/4,374
- RANK IDEAL
- PHOTO 1409
Call Report peers
RAIZ in the assets neighbourhood
RAIZ's $1.08B assets sit next to IDEAL ($1.08B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RAIZ 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
89 Top 31% higher than 69% 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
RAIZ - Share Insurance Coverage
Charter #1409'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.
RAIZ: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 99.15% here, 83.90% peer average (+15.25 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.21 pp (9.97% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
RAIZ in Texas
- In Texas, health place is #123 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #35 of 386.
- Membership ranks #30 of 386 among Texas CUs with a reported count (78,235 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RAIZ: 2025Q4 → 2026Q1
RAIZ: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $1.08B (2025Q4) to $1.09B (2026Q1).
- Net-worth ratio shifted +0.16 pp (9.81% → 9.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 21.2 pts
- Return on Assets 12.4 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 11.3 pts
RAIZ vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.97% | -1.21 pp |
| Delinquency Rate | 0.88% | +0.00 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | 4.35% | - |
| Loan-to-Share Ratio | 99.15% | +15.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
RAIZ quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.09B | - |
| 2025Q4 | $1.08B | 78,235 |
| 2024Q4 | $997.7M | 74,972 |
| 2023Q4 | $1.02B | 73,872 |
Credit Union Details
- Charter Number
- 1409
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- EL PASO
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for RAIZ, spread across 2 cities.
| Office | City |
|---|---|
| Rojas (Main Office) | El Paso, TX |
| Kenworthy | El Paso, TX |
| Village Court | El Paso, TX |
| Lomaland | El Paso, TX |
| Joe Battle | El Paso, TX |
| Golden Key | El Paso, TX |
| Pullman Operations Center | El Paso, TX |
| Resler | El Paso, TX |
| Mesa/University Self Service | El Paso, TX |
| Stanton | El Paso, TX |
| Horizon | Horizon City, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near RAIZ
Cross-state asset and health neighbours for RAIZ - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.08B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- RAIZ ranks #1,316 of 4,374 nationally on financial health and #123 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VELOCITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VELOCITY
- 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 RAIZ financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - RAIZ's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,316 of 4,374; by total assets it ranks #444 of 4,374 nationally (same basis as /rankings/largest); and #35 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.97% net worth ratio and 0.88% delinquency rate are the key drivers.
How does RAIZ compare to other credit unions?
RAIZ scores 89/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 RAIZ?
RAIZ 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 RAIZ directly for the exact boundaries and application steps.
Is my money safe at RAIZ?
Federal credit unions like RAIZ 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. RAIZ's net worth ratio of 9.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RAIZ offer compared to banks?
Credit unions like RAIZ 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 RAIZ 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.