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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,011 of 4,374 health · 2025Q4SOARION · health 62/100 · $563.1M · 2025Q4
- CHARTER 62/100
- NCUSIF 6.5%
- CAMELS 1.94%
- HEALTH -1.81%
- NW $563.1M
- DELQ 59,540
- ROA #4,011/4,374
- ASSETS Members Heritage
- MEM 8169
Call Report peers
SOARION in the assets neighbourhood
SOARION's $563.1M assets sit next to Members Heritage ($564.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SOARION 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
62 8th percentile higher than 8% 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
SOARION - Share Insurance Coverage
Charter #8169's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SOARION: Call Report deltas vs peers
- Net Worth Ratio trails the peer set - 6.49% here, 11.18% peer average (-4.69 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SOARION's 5300 filing moved
SOARION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $563.1M (2025Q4) to $560.7M (2026Q1).
- Net-worth ratio shifted +0.43 pp (6.06% → 6.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for SOARION, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($563.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
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
- 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 SOARION financially healthy?
SOARION has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,011 of 4,374; by total assets it ranks #704 of 4,374 nationally (same basis as /rankings/largest); and #61 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.49% and delinquency rate of 1.94%.
How does SOARION compare to other credit unions?
PlainCU's health composite puts SOARION at 62/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like SOARION 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. SOARION's net worth ratio of 6.49% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does SOARION offer compared to banks?
Credit unions like SOARION 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 SOARION 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.