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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); SHERWIN sits in 80-84 with 767 others.
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: 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%).
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.
- One place up in Texas, BAPTIST (#241) scores 81/100, 1 point higher; one place down, Yoakum County (#243) ties at 80/100.
SHERWIN: 2025Q4 → 2026Q1
SHERWIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.9% from $7.4M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted +1.35 pp (31.90% → 33.25%).
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
SHERWIN gives up 20 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is SHERWIN financially healthy?
SHERWIN has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,675 of 4,374 nationally on health and #242 of 386 in Texas. Its net worth ratio is 33.25% and its delinquency rate 0.00%.
How does SHERWIN compare to other credit unions?
SHERWIN scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (33.25% vs 19.06%). Its widest shortfall is return on assets (-1.15% vs 0.45%).
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?
SHERWIN 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. SHERWIN's net worth ratio of 33.25% 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.