Federal credit union · Rockdale, Texas · NCUA charter #19926
ROCKDALE
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $104.7M
- Total assets
- 8,099
- Members
- 11.3%
- Net-worth ratio
ROCKDALE scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.7M; members 8,099; net-worth ratio 11.28%; health rank #269 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#269 of 4,374 health · 2025Q4ROCKDALE · health 96/100 · $104.7M · 2025Q4
- ASSETS 96/100
- MEM 11.3%
- RANK 0.10%
- PHOTO 0.85%
- BOOK $104.7M
- CHARTER 8,099
- NCUSIF #269/4,374
- CAMELS Raritan Bay
- HEALTH 19926
Call Report peers
ROCKDALE in the assets neighbourhood
ROCKDALE's $104.7M assets sit next to Raritan Bay ($104.8M) 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.
ROCKDALE 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
96 Top 7% higher than 93% 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
ROCKDALE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #19926, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
ROCKDALE: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.10% vs peer 0.89% (-0.80 pp).
- Loan-to-Share Ratio trails the peer set - 54.24% here, 72.20% peer average (-17.96 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for ROCKDALE
- Texas health ordinal: #24 of 386.
- Assets rank #141 of 386 inside Texas ($104.7M reported).
- Member book place in Texas: #146 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 ROCKDALE's 5300 filing moved
ROCKDALE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $104.7M (2025Q4) to $108.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.32% → 11.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.28% | -0.83 pp |
| Delinquency Rate | 0.10% | -0.80 pp |
| Return on Assets | 0.85% | +0.23 pp |
| Member Growth | 5.36% | - |
| Loan-to-Share Ratio | 54.24% | -17.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - ROCKDALE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $108.2M | - |
| 2025Q4 | $104.7M | 8,099 |
| 2024Q4 | $101.2M | 7,687 |
| 2023Q4 | $94.8M | 7,259 |
Credit Union Details
- Charter Number
- 19926
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Rockdale
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ROCKDALE, spread across 2 cities.
| Office | City |
|---|---|
| Rockdale Federal Credit Union (Main Office) | Rockdale, TX |
| Thorndale Branch of Rockdale Federal Credit Union | Thorndale, 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
Two NCUA Call Report peer sets for ROCKDALE, 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 ($104.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- ROCKDALE ranks #269 of 4,374 nationally on financial health and #24 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage USA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage USA
- 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 ROCKDALE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ROCKDALE carries a financial health score of 96/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #269 of 4,374; by total assets it ranks #1,789 of 4,374 nationally (same basis as /rankings/largest); and #141 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.28% net worth ratio and a 0.10% delinquency rate.
How does ROCKDALE compare to other credit unions?
96/100 is ROCKDALE's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 ROCKDALE?
ROCKDALE 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 ROCKDALE directly for the exact boundaries and application steps.
Is my money safe at ROCKDALE?
Federal credit unions like ROCKDALE 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. ROCKDALE's net worth ratio of 11.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ROCKDALE offer compared to banks?
Credit unions like ROCKDALE 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 ROCKDALE 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.