Federal credit union · Seminole, Texas · NCUA charter #17154
Seminole Public Schools
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $7.6M
- Total assets
- 741
- Members
- 21.7%
- Net-worth ratio
Seminole Public Schools scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.6M; members 741; net-worth ratio 21.67%; health rank #4,219 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,219 of 4,374 health · 2025Q4Seminole Public Schools · health 53/100 · $7.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Seminole Public Schools vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Seminole Public Schools sits in 50-54 with 82 others.
53 3rd percentile higher than 3% 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
Peer-gap read for Seminole Public Schools
- Net Worth Ratio leads the peer set - 21.67% here, 19.06% peer average (+2.61 pp).
- Largest lag: Loan-to-Share Ratio at 45.21% vs peer 63.60% (-18.39 pp).
Where Seminole Public Schools sits in Texas
- In Texas, health place is #374 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Seminole Public Schools is #323 of 386 in Texas.
- Texas membership ordinal: #340 of 386.
- One place up in Texas, Mobility Credit Union (#373) scores 54/100, 1 point higher; one place down, CITY (#375) ties at 53/100.
How Seminole Public Schools's 5300 filing moved
Seminole Public Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $7.6M (2025Q4) to $7.6M (2026Q1).
- Net-worth ratio shifted +0.23 pp (21.44% → 21.67%).
This credit union's 21.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Seminole Public Schools gives up 47 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 5.9 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 10.5 pts
Seminole Public Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.67% | +2.61 pp |
| Delinquency Rate | 4.63% | +2.82 pp |
| Return on Assets | 0.03% | -0.42 pp |
| Member Growth | -1.33% | - |
| Loan-to-Share Ratio | 45.21% | -18.39 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.6M | - |
| 2025Q4 | $7.6M | 741 |
| 2024Q4 | $7.3M | 751 |
| 2023Q4 | $7.3M | 765 |
Credit Union Details
- Charter Number
- 17154
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Seminole
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Seminole Public Schools runs one office.
| Office | City |
|---|---|
| CU office (Main Office) | Seminole, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Seminole Public Schools
Using this data
- Seminole Public Schools ranks #4,219 of 4,374 nationally on financial health and #374 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oak Cliff Christian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oak Cliff Christian
Frequently Asked Questions
Is Seminole Public Schools financially healthy?
On its 2025Q4 NCUA 5300 filing, Seminole Public Schools scores 53/100 (Fair), with a 21.67% net worth ratio and 4.63% of loans delinquent. It ranks #4,219 of 4,374 nationally on health and #374 of 386 in Texas.
How does Seminole Public Schools compare to other credit unions?
Seminole Public Schools scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (21.67% vs 19.06%). Its widest shortfall is loan-to-share ratio (45.21% vs 63.60%).
How can I join Seminole Public Schools?
Seminole Public Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Seminole Public Schools directly to confirm eligibility.
Is my money safe at Seminole Public Schools?
Seminole Public Schools 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. Seminole Public Schools's net worth ratio of 21.67% exceeds the 7% threshold NCUA considers "well capitalized."
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.