State credit union · HOUSTON, Texas · NCUA charter #67486
REED
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $15.3M
- Total assets
- 985
- Members
- 18.0%
- Net-worth ratio
REED scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.3M; members 985; net-worth ratio 18.00%; health rank #4,178 of 4,374; healthier than 4th of scored peers.
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#4,178 of 4,374 health · 2025Q4REED · health 55/100 · $15.3M · 2025Q4
Call Report peers
REED in the assets neighbourhood
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REED vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); REED sits in 55-59 with 115 others.
55 4th percentile higher than 4% 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
REED vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.00% vs peer 14.86% (+3.14 pp).
- Loan-to-Share Ratio trails the peer set - 16.20% here, 59.80% peer average (-43.60 pp).
Where REED sits in Texas
- In Texas, health place is #369 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #277 of 386 inside Texas ($15.3M reported).
- Membership ranks #321 of 386 among Texas CUs with a reported count (985 members).
- One place up in Texas, Del Rio S.P. (#368) ties at 55/100; one place down, Cowboy Country (#370) ties at 55/100.
REED: 2025Q4 → 2026Q1
REED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $15.3M (2025Q4) to $15.2M (2026Q1).
- Net-worth ratio shifted +0.06 pp (17.94% → 18.00%).
At 18.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 55/100 score is built
REED gives up 45 points in total. Delinquency Rate costs the most, 22.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.8 pts
REED health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.00% | +3.14 pp |
| Delinquency Rate | 3.65% | +2.50 pp |
| Return on Assets | 0.74% | +0.04 pp |
| Member Growth | -8.37% | - |
| Loan-to-Share Ratio | 16.20% | -43.60 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
REED quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.2M | - |
| 2025Q4 | $15.3M | 985 |
| 2024Q4 | $16.2M | 1,075 |
| 2023Q4 | $15.7M | 1,133 |
Credit Union Details
- Charter Number
- 67486
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- HOUSTON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for REED.
| Office | City |
|---|---|
| REED CREDIT UNION (Main Office) | HOUSTON, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for REED
Similar total assets
Using this data
- REED ranks #4,178 of 4,374 nationally on financial health and #369 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Friona Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Friona Texas
Frequently Asked Questions
Is REED financially healthy?
REED has a financial health score of 55/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,178 of 4,374 nationally on health and #369 of 386 in Texas. Its net worth ratio is 18.00% and its delinquency rate 3.65%.
How does REED compare to other credit unions?
REED scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.00% vs 14.86%). Its widest shortfall is loan-to-share ratio (16.20% vs 59.80%).
How can I join REED?
Membership eligibility for REED depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact REED directly for current membership requirements and application steps.
Is my money safe at REED?
REED is a state-chartered 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. REED's net worth ratio of 18.00% 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.