State credit union · Temple, Texas · NCUA charter #67612
Scott and White Employees
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $71.0M
- Total assets
- 4,666
- Members
- 18.9%
- Net-worth ratio
Scott and White Employees scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $71.0M; members 4,666; net-worth ratio 18.94%; health rank #318 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#318 of 4,374 health · 2025Q4Scott and White Employees · health 95/100 · $71.0M · 2025Q4
- ASSETS 95/100
- MEM 18.9%
- RANK 0.35%
- PHOTO 2.40%
- BOOK $71.0M
- CHARTER 4,666
- NCUSIF #318/4,374
- CAMELS Professional Fire Fighters
- HEALTH 67612
Call Report peers
Scott and White Employees in the assets neighbourhood
Scott and White Employees's $71.0M assets sit next to Professional Fire Fighters ($71.0M) 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.
Scott and White 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
95 Top 10% higher than 90% 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
Scott and White Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67612: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Scott and White Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 18.94% vs peer 13.62% (+5.32 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Scott and White Employees sits in Texas
- In Texas, health place is #29 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Scott and White Employees is #173 of 386 in Texas.
- Texas membership ordinal: #183 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.
How Scott and White Employees's 5300 filing moved
Scott and White Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $71.0M (2025Q4) to $73.2M (2026Q1).
- Net-worth ratio shifted +1.48 pp (17.46% → 18.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 14.4 pts
Call Report ratios for Scott and White Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.94% | +5.32 pp |
| Delinquency Rate | 0.35% | -0.61 pp |
| Return on Assets | 2.40% | +1.74 pp |
| Member Growth | 1.32% | - |
| Loan-to-Share Ratio | 67.23% | +4.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Scott and White Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.2M | - |
| 2025Q4 | $71.0M | 4,666 |
| 2024Q4 | $70.4M | 4,605 |
| 2023Q4 | $67.6M | 4,622 |
Credit Union Details
- Charter Number
- 67612
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Temple
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Scott and White Employees.
| Office | City |
|---|---|
| Scott & White Empolyees Credit Union (Main Office) | Temple, 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.
Other-state peers near Scott and White Employees
Cross-state asset and health neighbours for Scott and White Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($71.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Scott and White Employees ranks #318 of 4,374 nationally on financial health and #29 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Service 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Service 1st
- 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 Scott and White Employees financially healthy?
Scott and White Employees has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #318 of 4,374; by total assets it ranks #2,125 of 4,374 nationally (same basis as /rankings/largest); and #173 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.94% and delinquency rate of 0.35%.
How does Scott and White Employees compare to other credit unions?
PlainCU's health composite puts Scott and White Employees at 95/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Scott and White Employees?
Membership eligibility for Scott and White Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Scott and White Employees directly for current membership requirements and application steps.
Is my money safe at Scott and White Employees?
Federal credit unions like Scott and White 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. Scott and White Employees's net worth ratio of 18.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Scott and White Employees offer compared to banks?
Credit unions like Scott and White 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 Scott and White 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.