Federal credit union · Sweetwater, Texas · NCUA charter #11377
Sweetwater Regional
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $6.4M
- Total assets
- 808
- Members
- 19.9%
- Net-worth ratio
Sweetwater Regional scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.4M; members 808; net-worth ratio 19.88%; health rank #3,580 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,580 of 4,374 health · 2025Q4Sweetwater Regional · health 70/100 · $6.4M · 2025Q4
- CHARTER 70/100
- NCUSIF 19.9%
- CAMELS 0.55%
- HEALTH -1.52%
- NW $6.4M
- DELQ 808
- ROA #3,580/4,374
- ASSETS n/a
- MEM 11377
Call Report peers
Sweetwater Regional carries $6.4M 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.
Sweetwater Regional 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
70 17th percentile higher than 17% 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
Sweetwater Regional - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11377, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Sweetwater Regional: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.55% vs peer 1.81% (-1.25 pp).
- Largest lag: Loan-to-Share Ratio at 57.14% vs peer 63.60% (-6.46 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Sweetwater Regional sits in Texas
- Health composite ranks #312 of 386 among scored Texas credit unions.
- Assets rank #332 of 386 inside Texas ($6.4M reported).
- Texas membership ordinal: #334 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.
Sweetwater Regional Call Report trajectory
Sweetwater Regional: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $6.4M (2025Q4) to $6.5M (2026Q1).
- Net-worth ratio shifted -0.70 pp (20.58% → 19.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 0.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 12.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.88% | +0.82 pp |
| Delinquency Rate | 0.55% | -1.25 pp |
| Return on Assets | -1.52% | -1.97 pp |
| Member Growth | -3.35% | - |
| Loan-to-Share Ratio | 57.14% | -6.46 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Sweetwater Regional
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.5M | - |
| 2025Q4 | $6.4M | 808 |
| 2024Q4 | $6.7M | 836 |
| 2023Q4 | $8.0M | 1,140 |
Credit Union Details
- Charter Number
- 11377
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Sweetwater
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Sweetwater Regional, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Sweetwater, TX |
| TxDot Credit Union | Abilene, TX |
| CompuSource Systems Ince | Amherst, NY |
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Sweetwater Regional - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Sweetwater Regional ranks #3,580 of 4,374 nationally on financial health and #312 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SKEL-TEX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SKEL-TEX
- 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 Sweetwater Regional financially healthy?
Sweetwater Regional scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,580 of 4,374; by total assets it ranks #3,774 of 4,374 nationally (same basis as /rankings/largest); and #332 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.88% net worth ratio and a 0.55% delinquency rate.
How does Sweetwater Regional compare to other credit unions?
PlainCU's health composite puts Sweetwater Regional at 70/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Sweetwater Regional?
Sweetwater 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 Sweetwater Regional directly for the exact boundaries and application steps.
Is my money safe at Sweetwater Regional?
Federal credit unions like Sweetwater Regional 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. Sweetwater Regional's net worth ratio of 19.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sweetwater Regional offer compared to banks?
Credit unions like Sweetwater Regional 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 Sweetwater Regional 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.