Federal credit union · SAN ANTONIO, Texas · NCUA charter #3064

SELECT

Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.

64
Health / 100
$57.5M
Total assets
5,486
Members
15.5%
Net-worth ratio

SELECT scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.5M; members 5,486; net-worth ratio 15.46%; health rank #3,908 of 4,374; healthier than 10th of scored peers.

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#3,908 of 4,374 health · 2025Q4

SELECT · health 64/100 · $57.5M · 2025Q4

Call Report peers

SELECT in the assets neighbourhood

SELECT (this)$57.5MBuffalo Conrail$57.4MFargo Public Schools$57.4MPitney Bowes Employees$57.4MTlcu Financial$57.4MStrip Steel Community$57.3M
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

SELECT vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); SELECT sits in 60-64 with 179 others.

64 10th percentile higher than 10% 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

SELECT vs $50M–$100M peers

  • Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +20.84 pp (83.44% vs 62.60%).
  • Return on Assets trails the peer set - -0.84% here, 0.66% peer average (-1.50 pp).

SELECT in Texas

  • Health composite ranks #342 of 386 among scored Texas credit unions.
  • By total assets, SELECT is #182 of 386 in Texas.
  • Membership ranks #168 of 386 among Texas CUs with a reported count (5,486 members).
  • One place up in Texas, LIFETIME (#341) ties at 64/100; one place down, Moore County Schools (#343) ties at 64/100.

SELECT Call Report trajectory

SELECT: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

57,000,00057,500,00058,000,00058,500,00059,000,00059,500,000 2023Q42024Q42025Q42026Q1 58,487,586 58,556,490 ▲ +0.1%
  • Assets moved +1.9% from $57.5M (2025Q4) to $58.6M (2026Q1).
  • Net-worth ratio shifted -0.52 pp (15.98% → 15.46%).
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 15.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

How the 64/100 score is built

SELECT gives up 36 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 18.8 pts
  • Return on Assets 0.0 pts
  • Member Growth 0.0 pts
  • Loan-to-Share Ratio 15.2 pts

SELECT vs peer ratios

Metric Value vs peer
Net Worth Ratio 15.46% +1.84 pp
Delinquency Rate 1.15% +0.19 pp
Return on Assets -0.84% -1.50 pp
Member Growth -8.43% -
Loan-to-Share Ratio 83.44% +20.84 pp

Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.

SELECT quarterly book

Quarter Assets Members
2026Q1 $58.6M -
2025Q4 $57.5M 5,486
2024Q4 $59.1M 5,991
2023Q4 $58.5M 6,164

Credit Union Details

Charter Number
3064
Type
Federal
Field of Membership
Community
Peer Group
$50M–$100M
State
Texas
City
SAN ANTONIO
Data Quarter
2025Q4

Branch Locations (5)

The NCUA branch filing lists 5 physical offices for SELECT, spread across 4 cities in 2 states.

Office City
MAIN OFFICE (Main Office) SAN ANTONIO, TX
MECO BRANCH OFFICE Hondo, TX
DISASTER RECOVERY SITE Omaha, NE
DRIVE THRU FACILITY SAN ANTONIO, TX
DISASTER RECOVERY LOCATION San Antonio, 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.

Compare SELECT vs HEART O' TEXAS

Nationwide credit unions with similar profiles

Using this data

  • SELECT ranks #3,908 of 4,374 nationally on financial health and #342 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Heart O' Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heart O' Texas

Frequently Asked Questions

Is SELECT financially healthy?

On its 2025Q4 NCUA 5300 filing, SELECT scores 64/100 (Good), with a 15.46% net worth ratio and 1.15% of loans delinquent. It ranks #3,908 of 4,374 nationally on health and #342 of 386 in Texas.

How does SELECT compare to other credit unions?

SELECT scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (83.44% vs 62.60%). Its widest shortfall is return on assets (-0.84% vs 0.66%).

How can I join SELECT?

SELECT 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 SELECT directly for the exact boundaries and application steps.

Is my money safe at SELECT?

SELECT 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. SELECT's net worth ratio of 15.46% exceeds the 7% threshold NCUA considers "well capitalized."

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for SELECT. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.