Federal credit union · Houston, Texas · NCUA charter #23525
St. Luke's Community
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.7M
- Total assets
- 297
- Members
- 11.6%
- Net-worth ratio
St. Luke's Community scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 297; net-worth ratio 11.60%; health rank #3,654 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,654 of 4,374 health · 2025Q4St. Luke's Community · health 69/100 · $1.7M · 2025Q4
- CHARTER 69/100
- NCUSIF 11.6%
- CAMELS 3.31%
- HEALTH 1.13%
- NW $1.7M
- DELQ 297
- ROA #3,654/4,374
- ASSETS n/a
- MEM 23525
Call Report peers
St. Luke's Community carries $1.7M 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.
St. Luke's Community 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
69 16th percentile higher than 16% 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
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.
Peer-gap read for St. Luke's Community
- Largest favorable gap: Delinquency Rate at 3.31% vs peer 4.48% (-1.16 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.12 pp (40.58% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Luke's Community in Texas
- Texas health ordinal: #322 of 386.
- Texas assets place: #376 of 386.
- Texas membership ordinal: #378 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.
Quarter path for St. Luke's Community
St. Luke's Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.2% from $1.7M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.77 pp (12.37% → 11.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 9.5 pts
St. Luke's Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.60% | -11.33 pp |
| Delinquency Rate | 3.31% | -1.16 pp |
| Return on Assets | 1.13% | +0.91 pp |
| Member Growth | 1.02% | - |
| Loan-to-Share Ratio | 40.58% | -12.12 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
St. Luke's Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.9M | - |
| 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
Branch Location
St. Luke's Community operates a single office in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Houston, 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.
- AMERICAN BAPTIST ASSOCIATIONAngleton, TX · Under $2M88Health
- W T N M ATLANTICDENVER CITY, TX · Under $2M72Health
- HIGHWAY EMPLOYEESTyler, TX · Under $2M93Health
- SALT EMPLOYEESGRAND SALINE, TX · Under $2M72Health
- BRENTWOOD BAPTIST CHURCHHouston, TX · Under $2M62Health
Compare St. Luke's Community vs AMERICAN BAPTIST ASSOCIATION
Other-state peers near St. Luke's Community
Two NCUA Call Report peer sets for St. Luke's Community, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- St. Luke's Community ranks #3,654 of 4,374 nationally on financial health and #322 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American Baptist Association is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American Baptist Association
- 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 St. Luke's Community financially healthy?
Yes/no aside, the number is 69/100 (Good) - St. Luke's Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,654 of 4,374; by total assets it ranks #4,158 of 4,374 nationally (same basis as /rankings/largest); and #376 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.60% net worth ratio and 3.31% delinquency rate are the key drivers.
How does St. Luke's Community compare to other credit unions?
69/100 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 11.60% 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.
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.