Federal credit union · Portland, Texas · NCUA charter #12259
SHERWIN
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $7.4M
- Total assets
- 1,910
- Members
- 33.3%
- Net-worth ratio
SHERWIN scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.4M; members 1,910; net-worth ratio 33.25%; health rank #2,675 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,675 of 4,374 health · 2025Q4SHERWIN · health 80/100 · $7.4M · 2025Q4
- CAMELS 80/100
- HEALTH 33.3%
- NW 0.00%
- DELQ -1.15%
- ROA $7.4M
- ASSETS 1,910
- MEM #2,675/4,374
- RANK n/a
- PHOTO 12259
Call Report peers
SHERWIN carries $7.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SHERWIN 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
80 36th percentile higher than 36% 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
SHERWIN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12259. See our deposit-insurance coverage note.
SHERWIN: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 33.25% here, 19.06% peer average (+14.19 pp).
- Widest shortfall vs peers is Return on Assets: -1.60 pp (-1.15% vs 0.45%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SHERWIN sits in Texas
- Health composite ranks #242 of 386 among scored Texas credit unions.
- Assets rank #325 of 386 inside Texas ($7.4M reported).
- Texas membership ordinal: #259 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.
SHERWIN: 2025Q4 → 2026Q1
SHERWIN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.9% from $7.4M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted +1.35 pp (31.90% → 33.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 33.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.2 pts
SHERWIN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 33.25% | +14.19 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -1.15% | -1.60 pp |
| Member Growth | 0.63% | - |
| Loan-to-Share Ratio | 71.73% | +8.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - SHERWIN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.0M | - |
| 2025Q4 | $7.4M | 1,910 |
| 2024Q4 | $7.1M | 1,898 |
| 2023Q4 | $7.5M | 1,881 |
Credit Union Details
- Charter Number
- 12259
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Portland
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, SHERWIN runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Portland, TX |
| Fiserv Credit Union Division | Frisco, TX |
| Catalyst Corporate Federal Credit Union | Plano, TX |
| PostNet Postal & Business Services | Portland, TX |
| Postnet Postal & Business Services | Portland, 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.
Other-state peers near SHERWIN
Two NCUA Call Report peer sets for SHERWIN, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- SHERWIN ranks #2,675 of 4,374 nationally on financial health and #242 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Highway District 19 Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Highway District 19 Employees
- 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 SHERWIN financially healthy?
A 33.25% net worth ratio and a 0.00% delinquency rate feed into SHERWIN's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,675 of 4,374; by total assets it ranks #3,708 of 4,374 nationally (same basis as /rankings/largest); and #325 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SHERWIN compare to other credit unions?
SHERWIN scores 80/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 SHERWIN?
SHERWIN 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 SHERWIN directly for the exact boundaries and application steps.
Is my money safe at SHERWIN?
Federal credit unions like SHERWIN 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. SHERWIN's net worth ratio of 33.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHERWIN offer compared to banks?
Credit unions like SHERWIN 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 SHERWIN 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.