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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,908 of 4,374 health · 2025Q4SELECT · health 64/100 · $57.5M · 2025Q4
- HEALTH 64/100
- NW 15.5%
- DELQ 1.15%
- ROA -0.84%
- ASSETS $57.5M
- MEM 5,486
- RANK #3,908/4,374
- PHOTO Buffalo Conrail
- BOOK 3064
Call Report peers
SELECT in the assets neighbourhood
SELECT's $57.5M assets sit next to Buffalo Conrail ($57.4M) 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.
SELECT 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3064: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SELECT Call Report trajectory
SELECT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $57.5M (2025Q4) to $58.6M (2026Q1).
- Net-worth ratio shifted -0.52 pp (15.98% → 15.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- 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 |
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).
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.
Nationwide credit unions with similar profiles
SELECT's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
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
- 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 SELECT financially healthy?
SELECT scores 64/100 (Good) 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 #3,908 of 4,374; by total assets it ranks #2,291 of 4,374 nationally (same basis as /rankings/largest); and #182 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.46% net worth ratio and a 1.15% delinquency rate.
How does SELECT compare to other credit unions?
64/100 is SELECT's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like SELECT 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. SELECT's net worth ratio of 15.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SELECT offer compared to banks?
Credit unions like SELECT 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 SELECT 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.