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
Call Report peers
ROCKDALE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); ROCKDALE sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, WINDTHORST (#23) ties at 96/100; one place down, Texas Tech (#25) ties at 96/100.
How ROCKDALE's 5300 filing moved
ROCKDALE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $104.7M (2025Q4) to $108.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.32% → 11.28%).
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
ROCKDALE gives up 4 points in total. Loan-to-Share Ratio costs the most, 3.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ROCKDALE financially healthy?
ROCKDALE has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #269 of 4,374 nationally on health and #24 of 386 in Texas. Its net worth ratio is 11.28% and its delinquency rate 0.10%.
How does ROCKDALE compare to other credit unions?
ROCKDALE scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.10% vs 0.89%). Its widest shortfall is loan-to-share ratio (54.24% vs 72.20%).
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?
ROCKDALE 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. ROCKDALE's net worth ratio of 11.28% 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.