Federal credit union · Rio Grande City, Texas · NCUA charter #18559
Starr County Teachers
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $44.5M
- Total assets
- 4,600
- Members
- 16.1%
- Net-worth ratio
Starr County Teachers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18559: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Starr County Teachers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth93
- Liquidity (loan-to-share)55
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.07% | 30% |
| Delinquency Rate | 0.47% | 25% |
| Return on Assets | 1.27% | 15% |
| Member Growth | 4.12% | 15% |
| Loan-to-Share Ratio | 25.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $44.5M | 4,600 |
| 2024Q4 | $41.7M | 4,418 |
| 2023Q4 | $41.1M | 4,539 |
Credit Union Details
- Charter Number
- 18559
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Rio Grande City
- Data Quarter
- 2025Q4
What This Data Says About Starr County Teachers
Headquartered in Rio Grande City, Texas, Starr County Teachers is a federal credit union with 4,600 members, $44.5M in total assets, and $9.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 92/100 (Excellent), driven in part by a net worth ratio of 16.07% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #18559 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.47% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 25.42% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.27% on net income of $567K 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 4.12%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Single Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 Starr County Teachers financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Starr County Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.07% net worth ratio and 0.47% delinquency rate are the key drivers.
How does Starr County Teachers compare to other credit unions?
On PlainCU's health composite, Starr County Teachers lands at 92/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Starr County Teachers?
Starr County Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Starr County Teachers directly to confirm eligibility.
Is my money safe at Starr County Teachers?
Federal credit unions like Starr County Teachers 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. Starr County Teachers's net worth ratio of 16.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Starr County Teachers offer compared to banks?
Credit unions like Starr County Teachers 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 Starr County Teachers 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.