Federal credit union · Seagoville, Texas · NCUA charter #6008
SEAGOVILLE
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $16.1M
- Total assets
- 889
- Members
- 20.9%
- Net-worth ratio
SEAGOVILLE scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.1M; members 889; net-worth ratio 20.86%; health rank #1,749 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,749 of 4,374 health · 2025Q4SEAGOVILLE · health 86/100 · $16.1M · 2025Q4
- HEALTH 86/100
- NW 20.9%
- DELQ 0.00%
- ROA 1.70%
- ASSETS $16.1M
- MEM 889
- RANK #1,749/4,374
- PHOTO Independence Teachers
- BOOK 6008
Call Report peers
SEAGOVILLE in the assets neighbourhood
SEAGOVILLE's $16.1M assets sit next to Independence Teachers ($16.1M) 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.
SEAGOVILLE 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
86 Top 43% higher than 57% 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
SEAGOVILLE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6008: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
SEAGOVILLE: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 20.86% here, 14.86% peer average (+6.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.95 pp (53.85% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SEAGOVILLE: in-state Call Report ranks
- In Texas, health place is #157 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #275 of 386 inside Texas ($16.1M reported).
- Member book place in Texas: #326 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.
SEAGOVILLE: 2025Q4 → 2026Q1
SEAGOVILLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $16.1M (2025Q4) to $16.2M (2026Q1).
- Net-worth ratio shifted -0.05 pp (20.91% → 20.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 11.5 pts
SEAGOVILLE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.86% | +6.00 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.70% | +0.99 pp |
| Member Growth | -2.52% | - |
| Loan-to-Share Ratio | 53.85% | -5.95 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 - SEAGOVILLE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.2M | - |
| 2025Q4 | $16.1M | 889 |
| 2024Q4 | $16.2M | 912 |
| 2023Q4 | $16.6M | 937 |
Credit Union Details
- Charter Number
- 6008
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Seagoville
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, SEAGOVILLE runs 2 offices.
| Office | City |
|---|---|
| Seagoville Federal Credit Union (Main Office) | Seagoville, TX |
| Home Bank | Seagoville, 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.
SEAGOVILLE nationwide neighbourhoods
SEAGOVILLE's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- SEAGOVILLE ranks #1,749 of 4,374 nationally on financial health and #157 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Member Preferred is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Member Preferred
- 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 SEAGOVILLE financially healthy?
SEAGOVILLE scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,749 of 4,374; by total assets it ranks #3,282 of 4,374 nationally (same basis as /rankings/largest); and #275 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 20.86% net worth ratio and a 0.00% delinquency rate.
How does SEAGOVILLE compare to other credit unions?
86/100 is SEAGOVILLE's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 SEAGOVILLE?
SEAGOVILLE 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 SEAGOVILLE directly for the current list of qualifying groups.
Is my money safe at SEAGOVILLE?
Federal credit unions like SEAGOVILLE 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. SEAGOVILLE's net worth ratio of 20.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SEAGOVILLE offer compared to banks?
Credit unions like SEAGOVILLE 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 SEAGOVILLE 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.