Federal credit union · McGregor, Texas · NCUA charter #9799
ROCKET
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $29.0M
- Total assets
- 2,975
- Members
- 9.6%
- Net-worth ratio
ROCKET scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.0M; members 2,975; net-worth ratio 9.59%; health rank #4,139 of 4,374; healthier than 5th of scored peers.
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#4,139 of 4,374 health · 2025Q4ROCKET · health 57/100 · $29.0M · 2025Q4
Call Report peers
ROCKET in the assets neighbourhood
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ROCKET vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ROCKET sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ROCKET diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +24.73 pp (84.53% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -5.27 pp (9.59% vs 14.86%).
ROCKET: in-state Call Report ranks
- Health composite ranks #367 of 386 among scored Texas credit unions.
- Texas assets place: #227 of 386.
- Member book place in Texas: #215 of 386.
- One place up in Texas, River City (#366) ties at 57/100; one place down, Del Rio S.P. (#368) scores 55/100, 2 points lower.
Quarter path for ROCKET
ROCKET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $29.0M (2025Q4) to $29.3M (2026Q1).
- Net-worth ratio shifted -0.28 pp (9.87% → 9.59%).
At 9.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 57/100 score is built
ROCKET gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 13.5 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.5 pts
ROCKET health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.59% | -5.27 pp |
| Delinquency Rate | 1.87% | +0.73 pp |
| Return on Assets | -2.09% | -2.80 pp |
| Member Growth | -5.32% | - |
| Loan-to-Share Ratio | 84.53% | +24.73 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.3M | - |
| 2025Q4 | $29.0M | 2,975 |
| 2024Q4 | $30.3M | 3,142 |
| 2023Q4 | $31.0M | 3,216 |
Credit Union Details
- Charter Number
- 9799
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- McGregor
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ROCKET.
| Office | City |
|---|---|
| Rocket Federal Credit Union (Main Office) | McGregor, 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 ROCKET
Using this data
- ROCKET ranks #4,139 of 4,374 nationally on financial health and #367 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alcon Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alcon Employees
Frequently Asked Questions
Is ROCKET financially healthy?
ROCKET has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,139 of 4,374 nationally on health and #367 of 386 in Texas. Its net worth ratio is 9.59% and its delinquency rate 1.87%.
How does ROCKET compare to other credit unions?
ROCKET scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.53% vs 59.80%). Its widest shortfall is net worth ratio (9.59% vs 14.86%).
How can I join ROCKET?
ROCKET 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 ROCKET directly for the exact boundaries and application steps.
Is my money safe at ROCKET?
ROCKET 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. ROCKET's net worth ratio of 9.59% 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.