Federal credit union · SAN ANTONIO, Texas · NCUA charter #8169
SOARION
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $563.1M
- Total assets
- 59,540
- Members
- 6.5%
- Net-worth ratio
SOARION scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $563.1M; members 59,540; net-worth ratio 6.49%; health rank #4,011 of 4,374; healthier than 8th of scored peers.
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#4,011 of 4,374 health · 2025Q4SOARION · health 62/100 · $563.1M · 2025Q4
Call Report peers
SOARION in the assets neighbourhood
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SOARION vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SOARION sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SOARION: Call Report deltas vs peers
- Net Worth Ratio trails the peer set - 6.49% here, 11.18% peer average (-4.69 pp).
SOARION in Texas
- In Texas, health place is #355 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, SOARION is #61 of 386 in Texas.
- Member book place in Texas: #43 of 386.
- One place up in Texas, Brentwood Baptist Church (#354) ties at 62/100; one place down, Tex Mex (#356) scores 61/100, 1 point lower.
How SOARION's 5300 filing moved
SOARION: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $563.1M (2025Q4) to $560.7M (2026Q1).
- Net-worth ratio shifted +0.43 pp (6.06% → 6.49%).
6.49% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 62/100 score is built
SOARION gives up 38 points in total. Return on Assets costs the most, 15 of its 15; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 18.7 pts
- Delinquency Rate 12.9 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
SOARION health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.49% | -4.69 pp |
| Delinquency Rate | 1.94% | +1.07 pp |
| Return on Assets | -1.81% | -2.31 pp |
| Member Growth | 7.90% | - |
| Loan-to-Share Ratio | 82.36% | -1.54 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SOARION filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $560.7M | - |
| 2025Q4 | $563.1M | 59,540 |
| 2024Q4 | $614.0M | 55,183 |
| 2023Q4 | $663.5M | 54,090 |
Credit Union Details
- Charter Number
- 8169
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- SAN ANTONIO
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, SOARION runs 8 offices in 4 different cities.
| Office | City |
|---|---|
| Soarion Plaza (Main Office) | San Antonio, TX |
| Del Rio | Del Rio, TX |
| Lackland | Lackland AFB, TX |
| Valley Hi | San Antonio, TX |
| Braun Pointe | San Antonio, TX |
| Summit Church | San Antonio, TX |
| Brooks City Base | San Antonio, TX |
| Schertz/3009 | Schertz, 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.
SOARION nationwide neighbourhoods
Using this data
- SOARION ranks #4,011 of 4,374 nationally on financial health and #355 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Associated Credit Union of Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Associated Credit Union of Texas
Frequently Asked Questions
Is SOARION financially healthy?
SOARION has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,011 of 4,374 nationally on health and #355 of 386 in Texas. Its net worth ratio is 6.49% and its delinquency rate 1.94%.
How does SOARION compare to other credit unions?
SOARION scores 62/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (6.49% vs 11.18%).
How can I join SOARION?
SOARION 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 SOARION directly for the exact boundaries and application steps.
Is my money safe at SOARION?
SOARION 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. SOARION's net worth ratio of 6.49% is relative to 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.