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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,265 of 4,374 health · 2025Q4REDEEMER · health 50/100 · $4.8M · 2025Q4
- MEM 50/100
- RANK 29.4%
- PHOTO 4.18%
- BOOK 0.05%
- CHARTER $4.8M
- NCUSIF 1,006
- CAMELS #4,265/4,374
- HEALTH n/a
- NW 24867
Call Report peers
REDEEMER carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
REDEEMER 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
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
REDEEMER - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24867. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
REDEEMER Call Report trajectory
REDEEMER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.7% from $4.8M (2025Q4) to $5.1M (2026Q1).
- Net-worth ratio shifted -2.15 pp (31.52% → 29.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 50.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
REDEEMER's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (50/100 here).
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
- 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 REDEEMER financially healthy?
Yes/no aside, the number is 50/100 (Fair) - REDEEMER'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 #4,265 of 4,374; by total assets it ranks #3,911 of 4,374 nationally (same basis as /rankings/largest); and #346 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 29.37% net worth ratio and 4.18% delinquency rate are the key drivers.
How does REDEEMER compare to other credit unions?
Five weighted metrics from NCUA filings produce REDEEMER's 50/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like REDEEMER 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. REDEEMER's net worth ratio of 29.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does REDEEMER offer compared to banks?
Credit unions like REDEEMER 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 REDEEMER 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.