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
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South Texas Regional vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Texas Regional sits in 80-84 with 767 others.
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 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%).
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.
- One place up in Texas, TEXAR (#187) ties at 84/100; one place down, Cochran County Schools (#189) ties at 84/100.
South Texas Regional: 2025Q4 → 2026Q1
South Texas Regional: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $5.6M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted +1.28 pp (14.36% → 15.64%).
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
South Texas Regional gives up 16 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is South Texas Regional financially healthy?
On its 2025Q4 NCUA 5300 filing, South Texas Regional scores 84/100 (Excellent), with a 15.64% net worth ratio and 0.62% of loans delinquent. It ranks #2,078 of 4,374 nationally on health and #188 of 386 in Texas.
How does South Texas Regional compare to other credit unions?
South Texas Regional scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (85.49% vs 63.60%). Its widest shortfall is net worth ratio (15.64% vs 19.06%).
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?
South Texas Regional 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 Regional's net worth ratio of 15.64% 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.