Federal credit union · Orange, Texas · NCUA charter #5866
SABINE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $232.2M
- Total assets
- 12,991
- Members
- 12.1%
- Net-worth ratio
SABINE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $232.2M; members 12,991; net-worth ratio 12.09%; health rank #2,438 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,438 of 4,374 health · 2025Q4SABINE · health 82/100 · $232.2M · 2025Q4
Call Report peers
SABINE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SABINE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SABINE sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for SABINE
- Largest favorable gap: Delinquency Rate at 0.80% vs peer 0.89% (-0.10 pp).
- Widest shortfall vs peers is Return on Assets: -0.45 pp (0.18% vs 0.62%).
Texas standing for SABINE
- Health composite ranks #223 of 386 among scored Texas credit unions.
- Texas assets place: #94 of 386.
- Membership ranks #110 of 386 among Texas CUs with a reported count (12,991 members).
- One place up in Texas, Reeves County Teachers (#222) ties at 82/100; one place down, First Watch (#224) ties at 82/100.
Quarter path for SABINE
SABINE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $232.2M (2025Q4) to $238.0M (2026Q1).
- Net-worth ratio shifted -0.26 pp (12.35% → 12.09%).
This credit union's 12.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
SABINE gives up 18 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 10.1 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.09% | -0.02 pp |
| Delinquency Rate | 0.80% | -0.10 pp |
| Return on Assets | 0.18% | -0.45 pp |
| Member Growth | -2.40% | - |
| Loan-to-Share Ratio | 72.28% | +0.08 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SABINE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $238.0M | - |
| 2025Q4 | $232.2M | 12,991 |
| 2024Q4 | $228.3M | 13,311 |
| 2023Q4 | $229.6M | 13,938 |
Credit Union Details
- Charter Number
- 5866
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Orange
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SABINE, spread across 3 cities.
| Office | City |
|---|---|
| Main office (Main Office) | Orange, TX |
| Beaumont Branch | Beaumont, TX |
| Bridge City Branch | Bridge City, 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
- SABINE ranks #2,438 of 4,374 nationally on financial health and #223 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPITOL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPITOL
Frequently Asked Questions
Is SABINE financially healthy?
SABINE has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,438 of 4,374 nationally on health and #223 of 386 in Texas. Its net worth ratio is 12.09% and its delinquency rate 0.80%.
How does SABINE compare to other credit unions?
SABINE scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.80% vs 0.89%). Its widest shortfall is return on assets (0.18% vs 0.62%).
How can I join SABINE?
SABINE 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 SABINE directly for the exact boundaries and application steps.
Is my money safe at SABINE?
SABINE 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. SABINE's net worth ratio of 12.09% 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.