Federal credit union · SAN ANGELO, Texas · NCUA charter #3080
San Angelo
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $39.4M
- Total assets
- 3,900
- Members
- 12.4%
- Net-worth ratio
San Angelo scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.4M; members 3,900; net-worth ratio 12.38%; health rank #936 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#936 of 4,374 health · 2025Q4San Angelo · health 91/100 · $39.4M · 2025Q4
- PHOTO 91/100
- BOOK 12.4%
- CHARTER 0.22%
- NCUSIF 1.54%
- CAMELS $39.4M
- HEALTH 3,900
- NW #936/4,374
- DELQ M.P.D. Community
- ROA 3080
Call Report peers
San Angelo in the assets neighbourhood
San Angelo's $39.4M assets sit next to M.P.D. Community ($39.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
San Angelo 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
91 Top 23% higher than 77% 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
San Angelo - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3080, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where San Angelo diverges from peer averages
- Delinquency Rate leads the peer set - 0.22% here, 1.15% peer average (-0.92 pp).
- Net Worth Ratio trails the peer set - 12.38% here, 14.86% peer average (-2.48 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for San Angelo
- In Texas, health place is #88 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #208 of 386 inside Texas ($39.4M reported).
- Texas membership ordinal: #196 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.
Quarter path for San Angelo
San Angelo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $39.4M (2025Q4) to $40.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.45% → 12.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for San Angelo
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.38% | -2.48 pp |
| Delinquency Rate | 0.22% | -0.92 pp |
| Return on Assets | 1.54% | +0.83 pp |
| Member Growth | -0.54% | - |
| Loan-to-Share Ratio | 59.14% | -0.66 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - San Angelo
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.8M | - |
| 2025Q4 | $39.4M | 3,900 |
| 2024Q4 | $38.4M | 3,921 |
| 2023Q4 | $35.9M | 3,988 |
Credit Union Details
- Charter Number
- 3080
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- SAN ANGELO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for San Angelo.
| Office | City |
|---|---|
| SAN ANGELO FCU (Main Office) | SAN ANGELO, TX |
| SAN ANGELO FCU LOAN / ACCOUNTING OFFICE | SAN ANGELO, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for San Angelo, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- San Angelo ranks #936 of 4,374 nationally on financial health and #88 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AUSTIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AUSTIN
- 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 San Angelo financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - San Angelo's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #936 of 4,374; by total assets it ranks #2,620 of 4,374 nationally (same basis as /rankings/largest); and #208 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.38% net worth ratio and 0.22% delinquency rate are the key drivers.
How does San Angelo compare to other credit unions?
On PlainCU's health composite, San Angelo lands at 91/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 San Angelo?
San Angelo serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact San Angelo directly for the current list of qualifying groups.
Is my money safe at San Angelo?
Federal credit unions like San Angelo 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. San Angelo's net worth ratio of 12.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Angelo offer compared to banks?
Credit unions like San Angelo 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 San Angelo 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.