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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Salt Employees sits in 70-74 with 317 others.
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: 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).
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.
- One place up in Texas, Education First (#300) scores 73/100, 1 point higher; one place down, W T N M Atlantic (#302) ties at 72/100.
Salt Employees Call Report trajectory
Salt Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $1.5M (2025Q4) to $1.5M (2026Q1).
- Net-worth ratio shifted +0.55 pp (43.97% → 44.52%).
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
Salt Employees gives up 28 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Salt Employees financially healthy?
Salt Employees has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,439 of 4,374 nationally on health and #301 of 386 in Texas. Its net worth ratio is 44.52% and its delinquency rate 0.63%.
How does Salt Employees compare to other credit unions?
Salt Employees scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (85.23% vs 52.70%). Its widest shortfall is return on assets (-1.98% vs 0.22%).
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?
Salt Employees 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. Salt Employees's net worth ratio of 44.52% 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.