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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); St. Luke's Community sits in 65-69 with 275 others.
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
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%).
St. Luke's Community in Texas
- Texas health ordinal: #322 of 386.
- Texas assets place: #376 of 386.
- Texas membership ordinal: #378 of 386.
- One place up in Texas, TEXSTAR (#321) ties at 69/100; one place down, VICTORIA (#323) scores 68/100, 1 point lower.
Quarter path for St. Luke's Community
St. Luke's Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.2% from $1.7M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.77 pp (12.37% → 11.60%).
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
St. Luke's Community gives up 31 points in total. Delinquency Rate costs the most, 20.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is St. Luke's Community financially healthy?
On its 2025Q4 NCUA 5300 filing, St. Luke's Community scores 69/100 (Good), with a 11.60% net worth ratio and 3.31% of loans delinquent. It ranks #3,654 of 4,374 nationally on health and #322 of 386 in Texas.
How does St. Luke's Community compare to other credit unions?
St. Luke's Community scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (3.31% vs 4.48%). Its widest shortfall is loan-to-share ratio (40.58% vs 52.70%).
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?
St. Luke's Community 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. St. Luke's Community's net worth ratio of 11.60% 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.