Federal credit union · Plano, Texas · NCUA charter #24867
REDEEMER
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $4.8M
- Total assets
- 1,006
- Members
- 29.4%
- Net-worth ratio
REDEEMER scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 1,006; net-worth ratio 29.37%; health rank #4,265 of 4,374; healthier than 2nd of scored peers.
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NCUA 5300 Call Report Masthead
#4,265 of 4,374 health · 2025Q4REDEEMER · health 50/100 · $4.8M · 2025Q4
Call Report peers
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REDEEMER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); REDEEMER sits in 50-54 with 82 others.
50 2nd percentile higher than 2% 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
Peer-gap read for REDEEMER
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +10.31 pp (29.37% vs 19.06%).
- Largest lag: Loan-to-Share Ratio at 50.54% vs peer 63.60% (-13.06 pp).
Texas standing for REDEEMER
- In Texas, health place is #381 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #346 of 386.
- Texas membership ordinal: #318 of 386.
- One place up in Texas, Cooperative Teachers (#380) scores 51/100, 1 point higher; one place down, Friona Texas (#382) scores 49/100, 1 point lower.
REDEEMER Call Report trajectory
REDEEMER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.7% from $4.8M (2025Q4) to $5.1M (2026Q1).
- Net-worth ratio shifted -2.15 pp (31.52% → 29.37%).
29.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 50/100 score is built
REDEEMER gives up 50 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 6.6 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 10.8 pts
Call Report ratios for REDEEMER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.37% | +10.31 pp |
| Delinquency Rate | 4.18% | +2.37 pp |
| Return on Assets | 0.05% | -0.41 pp |
| Member Growth | -3.55% | - |
| Loan-to-Share Ratio | 50.54% | -13.06 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
REDEEMER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.1M | - |
| 2025Q4 | $4.8M | 1,006 |
| 2024Q4 | $5.0M | 1,043 |
| 2023Q4 | $6.6M | 1,005 |
Credit Union Details
- Charter Number
- 24867
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Plano
- Data Quarter
- 2025Q4
Branch Location
REDEEMER operates a single office in Plano, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Office (Main Office) | Plano, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- REDEEMER ranks #4,265 of 4,374 nationally on financial health and #381 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Midwestern State University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Midwestern State University
Frequently Asked Questions
Is REDEEMER financially healthy?
On its 2025Q4 NCUA 5300 filing, REDEEMER scores 50/100 (Fair), with a 29.37% net worth ratio and 4.18% of loans delinquent. It ranks #4,265 of 4,374 nationally on health and #381 of 386 in Texas.
How does REDEEMER compare to other credit unions?
REDEEMER scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (29.37% vs 19.06%). Its widest shortfall is loan-to-share ratio (50.54% vs 63.60%).
How can I join REDEEMER?
REDEEMER 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 REDEEMER directly for the exact boundaries and application steps.
Is my money safe at REDEEMER?
REDEEMER 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. REDEEMER's net worth ratio of 29.37% 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.