State credit union · Pasadena, Texas · NCUA charter #67477
Shared Resources
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $25.0M
- Total assets
- 2,807
- Members
- 13.3%
- Net-worth ratio
Shared Resources - Share Insurance Coverage
Charter #67477's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Shared Resources - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)0
- Member growth17
- Liquidity (loan-to-share)100
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.29% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | -0.50% | 15% |
| Member Growth | -3.57% | 15% |
| Loan-to-Share Ratio | 86.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $25.0M | 2,807 |
| 2024Q4 | $25.9M | 2,911 |
| 2023Q4 | $27.3M | 2,988 |
Credit Union Details
- Charter Number
- 67477
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pasadena
- Data Quarter
- 2025Q4
What This Data Says About Shared Resources
Charter #67477, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Shared Resources, a state credit union in Pasadena, Texas with 2,807 members, $25.0M in total assets, and $18.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 13.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.76% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 86.26% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.50% on net income of $-126080 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.57%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Shared Resources financially healthy?
A 13.29% net worth ratio and a 0.76% delinquency rate feed into Shared Resources's financial health score of 70/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Shared Resources compare to other credit unions?
On PlainCU's health composite, Shared Resources lands at 70/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Shared Resources?
Membership eligibility for Shared Resources depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Shared Resources directly for current membership requirements and application steps.
Is my money safe at Shared Resources?
Federal credit unions like Shared Resources 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. Shared Resources's net worth ratio of 13.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Shared Resources offer compared to banks?
Credit unions like Shared Resources 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 Shared Resources directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.