Federal credit union · Hallettsville, Texas · NCUA charter #3946
Sacred Heart Parish Hallettsville
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $59.2M
- Total assets
- 2,783
- Members
- 10.1%
- Net-worth ratio
Sacred Heart Parish Hallettsville - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3946. See our deposit-insurance coverage note.
Sacred Heart Parish Hallettsville - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)82
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.15% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | 0.76% | 15% |
| Member Growth | 0.61% | 15% |
| Loan-to-Share Ratio | 58.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $59.2M | 2,783 |
| 2024Q4 | $53.4M | 2,766 |
| 2023Q4 | $52.8M | 2,748 |
Credit Union Details
- Charter Number
- 3946
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Hallettsville
- Data Quarter
- 2025Q4
What This Data Says About Sacred Heart Parish Hallettsville
Sacred Heart Parish Hallettsville is a federal credit union headquartered in Hallettsville, Texas, serving 2,783 members with $59.2M in total assets and $30.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 91/100 (Excellent), anchored by a net worth ratio of 10.15% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #3946 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.56% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 58.13% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.76% on net income of $450K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.61%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community/Select Employee Group) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sacred Heart Parish Hallettsville financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Sacred Heart Parish Hallettsville's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.15% net worth ratio and 0.56% delinquency rate are the key drivers.
How does Sacred Heart Parish Hallettsville compare to other credit unions?
Sacred Heart Parish Hallettsville scores 91/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Sacred Heart Parish Hallettsville?
Sacred Heart Parish Hallettsville 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 Sacred Heart Parish Hallettsville directly for the exact boundaries and application steps.
Is my money safe at Sacred Heart Parish Hallettsville?
Federal credit unions like Sacred Heart Parish Hallettsville 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. Sacred Heart Parish Hallettsville's net worth ratio of 10.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sacred Heart Parish Hallettsville offer compared to banks?
Credit unions like Sacred Heart Parish Hallettsville 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 Sacred Heart Parish Hallettsville directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.