Federal credit union · UNIVERSAL CITY, Texas · NCUA charter #8111
RANDOLPH-BROOKS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $19.20B
- Total assets
- 1,137,444
- Members
- 13.2%
- Net-worth ratio
RANDOLPH-BROOKS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.20B; members 1,137,444; net-worth ratio 13.18%; health rank #2,268 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,268 of 4,374 health · 2025Q4RANDOLPH-BROOKS · health 83/100 · $19.20B · 2025Q4
- NCUSIF 83/100
- CAMELS 13.2%
- HEALTH 1.05%
- NW 1.27%
- DELQ $19.20B
- ROA 1,137,444
- ASSETS #2,268/4,374
- MEM SUNCOAST
- RANK 8111
Call Report peers
RANDOLPH-BROOKS in the assets neighbourhood
RANDOLPH-BROOKS's $19.20B assets sit next to SUNCOAST ($19.68B) 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.
RANDOLPH-BROOKS 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
83 46th percentile higher than 46% 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
RANDOLPH-BROOKS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8111, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
RANDOLPH-BROOKS vs Over $500M peers
- Net Worth Ratio leads the peer set - 13.18% here, 11.18% peer average (+2.00 pp).
- Delinquency Rate trails the peer set - 1.05% here, 0.87% peer average (+0.17 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
RANDOLPH-BROOKS: in-state Call Report ranks
- Texas health ordinal: #207 of 386.
- By total assets, RANDOLPH-BROOKS is #1 of 386 in Texas.
- Texas membership ordinal: #1 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.
RANDOLPH-BROOKS Call Report trajectory
RANDOLPH-BROOKS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $19.20B (2025Q4) to $19.19B (2026Q1).
- Net-worth ratio shifted +0.20 pp (12.98% → 13.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 14.8 pts
RANDOLPH-BROOKS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.18% | +2.00 pp |
| Delinquency Rate | 1.05% | +0.17 pp |
| Return on Assets | 1.27% | +0.76 pp |
| Member Growth | -3.07% | - |
| Loan-to-Share Ratio | 84.33% | +0.43 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.19B | - |
| 2025Q4 | $19.20B | 1,137,444 |
| 2024Q4 | $17.96B | 1,173,479 |
| 2023Q4 | $18.03B | 1,118,688 |
Credit Union Details
- Charter Number
- 8111
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- UNIVERSAL CITY
- Data Quarter
- 2025Q4
Branch Locations (65)
Per its most recent NCUA branch filing, RANDOLPH-BROOKS runs 65 offices in 33 different cities.
| Office | City |
|---|---|
| Creswell Admin Service Center (Main Office) | Live Oak, TX |
| Allen | Allen, TX |
| Ben White | Austin, TX |
| Seton | Austin, TX |
| Domain | Austin, TX |
| North Austin | Austin, TX |
| Lake Creek | Austin, TX |
| Southpark Meadows | Austin, TX |
| Mopac | Austin, TX |
| Four Points | Austin, TX |
| Bedford | Bedford, TX |
| Boerne | Boerne, TX |
| Buda | Buda, TX |
| Bulverde Crossing | Bulverde, TX |
| Cedar Park | Cedar Park, TX |
| Parmer Lane | Cedar Park, TX |
| Cimarron | Corpus Christi, TX |
| Staples | Corpus Christi, TX |
| Dripping Springs | Dripping Springs, TX |
| Floresville | Floresville, TX |
| Frisco | Frisco, TX |
| DNT Eldorado | Frisco, TX |
| Garland | Garland, TX |
| Georgetown | Georgetown, TX |
| Gonzales | Gonzales, TX |
| Keller | Keller, TX |
| Kerrville | Kerrville, TX |
| Kyle | Kyle, TX |
| Leon Valley | Leon Valley, TX |
| Lockhart | Lockhart, TX |
| McKinney | McKinney, TX |
| Oak Run | New Braunfels, TX |
| New Braunfels | New Braunfels, TX |
| Creekside | New Braunfels, TX |
| Stone Hill | Pflugerville, TX |
| Plano | Plano, TX |
| Portland | Portland, TX |
| Randolph AFB | Randolph Afb, TX |
| Round Rock | Round Rock, TX |
| Bandera Pointe | San Antonio, TX |
| Mission South | San Antonio, TX |
| Summit | San Antonio, TX |
| Thousand Oaks | San Antonio, TX |
| Woodlake | San Antonio, TX |
| Potranco | San Antonio, TX |
| Gold Canyon | San Antonio, TX |
| Brooks | San Antonio, TX |
| Marshall Road | San Antonio, TX |
| Rigsby | San Antonio, TX |
| IH 10@utsa | San Antonio, TX |
| Culebra | San Antonio, TX |
| Bitters | San Antonio, TX |
| Windcrest | San Antonio, TX |
| Austin Highway | San Antonio, TX |
| Broadway | San Antonio, TX |
| Encino Commons | San Antonio, TX |
| South San | San Antonio, TX |
| Wonder World | San Marcos, TX |
| San Marcos | San Marcos, TX |
| Schertz | Schertz, TX |
| Northcliffe | Schertz, TX |
| Seguin | Seguin, TX |
| Seguin Northwest | Seguin, TX |
| Colony | The Colony, TX |
| Live Oak | Universal 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.
RANDOLPH-BROOKS nationwide neighbourhoods
Two NCUA Call Report peer sets for RANDOLPH-BROOKS, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.20B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- RANDOLPH-BROOKS ranks #2,268 of 4,374 nationally on financial health and #207 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Security Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Security Service
- 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 RANDOLPH-BROOKS financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - RANDOLPH-BROOKS'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 #2,268 of 4,374; by total assets it ranks #11 of 4,374 nationally (same basis as /rankings/largest); and #1 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.18% net worth ratio and 1.05% delinquency rate are the key drivers.
How does RANDOLPH-BROOKS compare to other credit unions?
PlainCU's health composite puts RANDOLPH-BROOKS at 83/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 RANDOLPH-BROOKS?
RANDOLPH-BROOKS 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 RANDOLPH-BROOKS directly for the exact boundaries and application steps.
Is my money safe at RANDOLPH-BROOKS?
Federal credit unions like RANDOLPH-BROOKS 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. RANDOLPH-BROOKS's net worth ratio of 13.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RANDOLPH-BROOKS offer compared to banks?
Credit unions like RANDOLPH-BROOKS 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 RANDOLPH-BROOKS 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.