Federal credit union · GRAND SALINE, Texas · NCUA charter #15001
Salt Employees
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $1.5M
- Total assets
- 319
- Members
- 44.5%
- Net-worth ratio
Salt Employees scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.5M; members 319; net-worth ratio 44.52%; health rank #3,439 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,439 of 4,374 health · 2025Q4Salt Employees · health 72/100 · $1.5M · 2025Q4
- BOOK 72/100
- CHARTER 44.5%
- NCUSIF 0.63%
- CAMELS -1.98%
- HEALTH $1.5M
- NW 319
- DELQ #3,439/4,374
- ROA n/a
- ASSETS 15001
Call Report peers
Salt Employees carries $1.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Salt Employees 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
72 20th percentile higher than 20% 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
Salt Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15001 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Salt Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 85.23% here, 52.70% peer average (+32.53 pp).
- Return on Assets trails the peer set - -1.98% here, 0.22% peer average (-2.21 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Salt Employees
- In Texas, health place is #301 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #377 of 386.
- Texas membership ordinal: #376 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.
Salt Employees Call Report trajectory
Salt Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $1.5M (2025Q4) to $1.5M (2026Q1).
- Net-worth ratio shifted +0.55 pp (43.97% → 44.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 44.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 0.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 14.8 pts
Salt Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 44.52% | +21.59 pp |
| Delinquency Rate | 0.63% | -3.85 pp |
| Return on Assets | -1.98% | -2.21 pp |
| Member Growth | -3.04% | - |
| Loan-to-Share Ratio | 85.23% | +32.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Salt Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.5M | - |
| 2025Q4 | $1.5M | 319 |
| 2024Q4 | $1.5M | 329 |
| 2023Q4 | $1.6M | 335 |
Credit Union Details
- Charter Number
- 15001
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Texas
- City
- GRAND SALINE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Salt Employees runs one office.
| Office | City |
|---|---|
| Morton Salt Company (Main Office) | Grand Saline, 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.
Other-state peers near Salt Employees
Salt Employees's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Salt Employees ranks #3,439 of 4,374 nationally on financial health and #301 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Brentwood Baptist Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Brentwood Baptist Church
- 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 Salt Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Salt Employees carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,439 of 4,374; by total assets it ranks #4,181 of 4,374 nationally (same basis as /rankings/largest); and #377 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 44.52% net worth ratio and a 0.63% delinquency rate.
How does Salt Employees compare to other credit unions?
Salt Employees scores 72/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Salt Employees?
Salt Employees 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 Salt Employees directly for the exact boundaries and application steps.
Is my money safe at Salt Employees?
Federal credit unions like Salt Employees 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. Salt Employees's net worth ratio of 44.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Salt Employees offer compared to banks?
Credit unions like Salt Employees 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 Salt Employees 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.