Federal credit union · Refugio, Texas · NCUA charter #12365
Refugio County
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $14.0M
- Total assets
- 1,127
- Members
- 16.1%
- Net-worth ratio
Refugio County scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.0M; members 1,127; net-worth ratio 16.11%; health rank #1,771 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,771 of 4,374 health · 2025Q4Refugio County · health 86/100 · $14.0M · 2025Q4
- HEALTH 86/100
- NW 16.1%
- DELQ 0.07%
- ROA 0.62%
- ASSETS $14.0M
- MEM 1,127
- RANK #1,771/4,374
- PHOTO St Joe Valley
- BOOK 12365
Call Report peers
Refugio County in the assets neighbourhood
Refugio County's $14.0M assets sit next to St Joe Valley ($14.0M) 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.
Refugio County 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
86 Top 43% higher than 57% 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
Refugio County - Share Insurance Coverage
Charter #12365'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.
Refugio County vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 16.11% vs peer 14.86% (+1.25 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.44 pp (44.36% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Refugio County
- In Texas, health place is #163 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #282 of 386.
- Member book place in Texas: #311 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.
How Refugio County's 5300 filing moved
Refugio County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $14.0M (2025Q4) to $14.2M (2026Q1).
- Net-worth ratio shifted -0.48 pp (16.59% → 16.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for Refugio County
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.11% | +1.25 pp |
| Delinquency Rate | 0.07% | -1.08 pp |
| Return on Assets | 0.62% | -0.08 pp |
| Member Growth | -1.57% | - |
| Loan-to-Share Ratio | 44.36% | -15.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Refugio County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.2M | - |
| 2025Q4 | $14.0M | 1,127 |
| 2024Q4 | $12.5M | 1,145 |
| 2023Q4 | $12.3M | 1,173 |
Credit Union Details
- Charter Number
- 12365
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Refugio
- Data Quarter
- 2025Q4
Branch Location
Refugio County operates a single office in Refugio, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Refugio County FCU (Main Office) | Refugio, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Refugio County
Cross-state asset and health neighbours for Refugio County - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Refugio County ranks #1,771 of 4,374 nationally on financial health and #163 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 24 Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 24 Employees
- 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 Refugio County financially healthy?
A 16.11% net worth ratio and a 0.07% delinquency rate feed into Refugio County's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,771 of 4,374; by total assets it ranks #3,363 of 4,374 nationally (same basis as /rankings/largest); and #282 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Refugio County compare to other credit unions?
86/100 is Refugio County's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Refugio County?
Refugio County 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 Refugio County directly for the exact boundaries and application steps.
Is my money safe at Refugio County?
Federal credit unions like Refugio County 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. Refugio County's net worth ratio of 16.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Refugio County offer compared to banks?
Credit unions like Refugio County 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 Refugio County 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.