State credit union · skellytown, Texas · NCUA charter #60396
Skel-tex
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $6.2M
- Total assets
- 544
- Members
- 21.1%
- Net-worth ratio
Skel-tex - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60396: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Skel-tex - 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)91
- Earnings (ROA)49
- Member growth53
- Liquidity (loan-to-share)87
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.12% | 30% |
| Delinquency Rate | 0.73% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | -0.55% | 15% |
| Loan-to-Share Ratio | 61.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.2M | 544 |
| 2024Q4 | $5.8M | 547 |
| 2023Q4 | $5.9M | 556 |
Credit Union Details
- Charter Number
- 60396
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- skellytown
- Data Quarter
- 2025Q4
What This Data Says About Skel-tex
Charter #60396, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Skel-tex, a state credit union in skellytown, Texas with 544 members, $6.2M in total assets, and $3.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 81/100 (Excellent), helped by a net worth ratio of 21.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 61.52% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.73% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.06% on net income of $4K 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 -0.55%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 Skel-tex financially healthy?
A 21.12% net worth ratio and a 0.73% delinquency rate feed into Skel-tex's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Skel-tex compare to other credit unions?
PlainCU's health composite puts Skel-tex at 81/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Skel-tex?
Membership eligibility for Skel-tex depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Skel-tex directly for current membership requirements and application steps.
Is my money safe at Skel-tex?
Federal credit unions like Skel-tex 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. Skel-tex's net worth ratio of 21.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Skel-tex offer compared to banks?
Credit unions like Skel-tex 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 Skel-tex 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.