Federal credit union · McALLEN, Texas · NCUA charter #8237
South Texas
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $67.6M
- Total assets
- 6,199
- Members
- 8.4%
- Net-worth ratio
South Texas scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.6M; members 6,199; net-worth ratio 8.43%; health rank #3,839 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,839 of 4,374 health · 2025Q4South Texas · health 66/100 · $67.6M · 2025Q4
Call Report peers
South Texas in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
South Texas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Texas sits in 65-69 with 275 others.
66 12th percentile higher than 12% 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
South Texas vs $50M–$100M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.36 pp (34.24% vs 62.60%).
South Texas in Texas
- Health composite ranks #334 of 386 among scored Texas credit unions.
- Texas assets place: #175 of 386.
- Texas membership ordinal: #161 of 386.
- One place up in Texas, ACFCU (#333) ties at 66/100; one place down, KEYSTONE (#335) scores 65/100, 1 point lower.
South Texas Call Report trajectory
South Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $67.6M (2025Q4) to $68.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.56% → 8.43%).
At 8.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
South Texas gives up 34 points in total. Member Growth costs the most, 15 of its 15; Return on Assets loses the least, 1.8.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 17.7 pts
- Return on Assets 13.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.43% | -5.19 pp |
| Delinquency Rate | 1.31% | +0.34 pp |
| Return on Assets | 0.38% | -0.28 pp |
| Member Growth | -19.75% | - |
| Loan-to-Share Ratio | 34.24% | -28.36 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - South Texas
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.9M | - |
| 2025Q4 | $67.6M | 6,199 |
| 2024Q4 | $61.5M | 7,725 |
| 2023Q4 | $67.6M | 7,865 |
Credit Union Details
- Charter Number
- 8237
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- McALLEN
- Data Quarter
- 2025Q4
Branch Locations (3)
South Texas operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | McAllen, TX |
| Branch Office | Weslaco, TX |
| Disaster Location | Weslaco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
South Texas nationwide neighbourhoods
Using this data
- South Texas ranks #3,839 of 4,374 nationally on financial health and #334 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Star of Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Star of Texas
Frequently Asked Questions
Is South Texas financially healthy?
On its 2025Q4 NCUA 5300 filing, South Texas scores 66/100 (Good), with a 8.43% net worth ratio and 1.31% of loans delinquent. It ranks #3,839 of 4,374 nationally on health and #334 of 386 in Texas.
How does South Texas compare to other credit unions?
South Texas scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (34.24% vs 62.60%).
How can I join South Texas?
South Texas 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 South Texas directly for the exact boundaries and application steps.
Is my money safe at South Texas?
South Texas 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. South Texas's net worth ratio of 8.43% 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.