State credit union · skellytown, Texas · NCUA charter #60396
SKEL-TEX
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $6.2M
- Total assets
- 544
- Members
- 21.1%
- Net-worth ratio
SKEL-TEX scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.2M; members 544; net-worth ratio 21.14%; health rank #2,521 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,521 of 4,374 health · 2025Q4SKEL-TEX · health 81/100 · $6.2M · 2025Q4
Call Report peers
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SKEL-TEX vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SKEL-TEX sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SKEL-TEX: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +2.08 pp (21.14% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 61.52% here, 63.60% peer average (-2.08 pp).
Where SKEL-TEX sits in Texas
- Health composite ranks #227 of 386 among scored Texas credit unions.
- By total assets, SKEL-TEX is #333 of 386 in Texas.
- Texas membership ordinal: #360 of 386.
- One place up in Texas, T & P Longview (#226) ties at 81/100; one place down, Highway District 19 Employees (#228) ties at 81/100.
How SKEL-TEX's 5300 filing moved
SKEL-TEX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $6.2M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted +0.02 pp (21.12% → 21.14%).
21.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
SKEL-TEX gives up 19 points in total. Return on Assets costs the most, 7.7 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 7.3 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.14% | +2.08 pp |
| Delinquency Rate | 0.73% | -1.08 pp |
| Return on Assets | 0.06% | -0.39 pp |
| Member Growth | -0.55% | - |
| Loan-to-Share Ratio | 61.52% | -2.08 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - SKEL-TEX
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.2M | - |
| 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
Branch Locations (3)
SKEL-TEX operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Skel-Tex Credit Union (Main Office) | Skellytown, TX |
| Happy State Bank | Pampa, TX |
| Skellytown Branch Library | Skellytown, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
SKEL-TEX nationwide neighbourhoods
Similar health score
Using this data
- SKEL-TEX ranks #2,521 of 4,374 nationally on financial health and #227 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sweetwater Regional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sweetwater Regional
Frequently Asked Questions
Is SKEL-TEX financially healthy?
On its 2025Q4 NCUA 5300 filing, SKEL-TEX scores 81/100 (Excellent), with a 21.14% net worth ratio and 0.73% of loans delinquent. It ranks #2,521 of 4,374 nationally on health and #227 of 386 in Texas.
How does SKEL-TEX compare to other credit unions?
SKEL-TEX scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (21.14% vs 19.06%). Its widest shortfall is loan-to-share ratio (61.52% vs 63.60%).
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?
SKEL-TEX is a state-chartered 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. SKEL-TEX's net worth ratio of 21.14% 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.