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
- BOOK 66/100
- CHARTER 8.4%
- NCUSIF 1.31%
- CAMELS 0.38%
- HEALTH $67.6M
- NW 6,199
- DELQ #3,839/4,374
- ROA TITAN
- ASSETS 8237
Call Report peers
South Texas in the assets neighbourhood
South Texas's $67.6M assets sit next to TITAN ($67.6M) 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.
South Texas 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8237. See our deposit-insurance coverage note.
South Texas vs $50M–$100M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.36 pp (34.24% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
South Texas Call Report trajectory
South Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $67.6M (2025Q4) to $68.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.56% → 8.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for South Texas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
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
- 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 South Texas financially healthy?
South Texas scores 66/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,839 of 4,374; by total assets it ranks #2,166 of 4,374 nationally (same basis as /rankings/largest); and #175 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.43% net worth ratio and a 1.31% delinquency rate.
How does South Texas compare to other credit unions?
South Texas scores 66/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like South Texas 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. South Texas's net worth ratio of 8.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Texas offer compared to banks?
Credit unions like South Texas 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 South Texas 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.