Federal credit union · Houston, Texas · NCUA charter #23525

St. Luke's Community

Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

67
Health / 100
$1.7M
Total assets
297
Members
9.1%
Net-worth ratio

St. Luke's Community - Share Insurance Coverage

Charter #23525'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.

NCUSIF coverage gauge for St. Luke's Community Share insurance under NCUSIF covers up to $250,000 per share owner. St. Luke's Community holds approximately $1.5M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 9.1 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 9.1% · $1.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

St. Luke's Community - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 9.09% 30% weight
  • Asset quality (delinquency) 3.31% 25% weight
  • Earnings (ROA) 1.13% 15% weight
  • Member growth 1.02% 15% weight
  • Liquidity (loan-to-share) 41% 15% weight

Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 60.6%

At 9.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.7M
Total Assets
297
Members
$616K
Total Loans
$1.5M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 9.09% 30%
Delinquency Rate 3.31% 25%
Return on Assets 1.13% 15%
Member Growth 1.02% 15%
Loan-to-Share Ratio 40.58% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.7M 297
2024Q4 $1.8M 294
2023Q4 $1.8M 299

Credit Union Details

Charter Number
23525
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
Texas
City
Houston
Data Quarter
2025Q4

What This Data Says About St. Luke's Community

The five-factor composite scores St. Luke's Community at 67/100 (Good), reflecting a net worth ratio of 9.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Houston, Texas, reports 297 members, $1.7M in total assets, and $616K in outstanding loans as of Q4 2025 under charter #23525 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

3.31% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 40.58% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.13% on net income of $20K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 1.02%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

Nearby Credit Unions in Texas

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Compare St. Luke's Community vs AMERICAN BAPTIST ASSOCIATION

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is St. Luke's Community financially healthy?

Yes/no aside, the number is 67/100 (Good) - St. Luke's Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.09% net worth ratio and 3.31% delinquency rate are the key drivers.

How does St. Luke's Community compare to other credit unions?

67/100 is St. Luke's Community's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 St. Luke's Community?

St. Luke's Community 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 St. Luke's Community directly for the exact boundaries and application steps.

Is my money safe at St. Luke's Community?

Federal credit unions like St. Luke's Community 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. St. Luke's Community's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does St. Luke's Community offer compared to banks?

Credit unions like St. Luke's Community 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 St. Luke's Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

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.