Federal credit union · Laredo, Texas · NCUA charter #7024
South Texas Regional
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $5.6M
- Total assets
- 1,310
- Members
- 15.6%
- Net-worth ratio
South Texas Regional scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 1,310; net-worth ratio 15.64%; health rank #2,078 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,078 of 4,374 health · 2025Q4South Texas Regional · health 84/100 · $5.6M · 2025Q4
- CHARTER 84/100
- NCUSIF 15.6%
- CAMELS 0.62%
- HEALTH 0.92%
- NW $5.6M
- DELQ 1,310
- ROA #2,078/4,374
- ASSETS n/a
- MEM 7024
South Texas Regional carries $5.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
South Texas Regional 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
84 Top 50% higher than 50% 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 Regional - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7024, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
South Texas Regional vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.49% vs peer 63.60% (+21.89 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.42 pp (15.64% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where South Texas Regional sits in Texas
- In Texas, health place is #188 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #336 of 386.
- Member book place in Texas: #297 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 Regional: 2025Q4 → 2026Q1
South Texas Regional: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $5.6M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted +1.28 pp (14.36% → 15.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.64% | -3.42 pp |
| Delinquency Rate | 0.62% | -1.19 pp |
| Return on Assets | 0.92% | +0.47 pp |
| Member Growth | -5.69% | - |
| Loan-to-Share Ratio | 85.49% | +21.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.6M | - |
| 2025Q4 | $5.6M | 1,310 |
| 2024Q4 | $5.4M | 1,389 |
| 2023Q4 | $5.8M | 1,335 |
Credit Union Details
- Charter Number
- 7024
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Laredo
- Data Quarter
- 2025Q4
Branch Locations (3)
South Texas Regional operates 3 offices in Laredo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| South Texas Regional FCU (Main Office) | Laredo, TX |
| 5002 Tesoro Plaza | Laredo, TX |
| Vital Records | Laredo, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for South Texas Regional
Cross-state asset and health neighbours for South Texas Regional - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- South Texas Regional ranks #2,078 of 4,374 nationally on financial health and #188 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port of Houston Warehouse is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port of Houston Warehouse
- 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 Regional financially healthy?
South Texas Regional has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,078 of 4,374; by total assets it ranks #3,826 of 4,374 nationally (same basis as /rankings/largest); and #336 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 15.64% and delinquency rate of 0.62%.
How does South Texas Regional compare to other credit unions?
Five weighted metrics from NCUA filings produce South Texas Regional's 84/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Regional?
South Texas Regional 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 Regional directly for the exact boundaries and application steps.
Is my money safe at South Texas Regional?
Federal credit unions like South Texas Regional 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 Regional's net worth ratio of 15.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Texas Regional offer compared to banks?
Credit unions like South Texas Regional 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 Regional 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.