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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Sweetwater Regional sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, E M O T (#311) ties at 70/100; one place down, Texas Associations of Professionals (#313) ties at 70/100.
Sweetwater Regional Call Report trajectory
Sweetwater Regional: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $6.4M (2025Q4) to $6.5M (2026Q1).
- Net-worth ratio shifted -0.70 pp (20.58% → 19.88%).
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
Sweetwater Regional gives up 30 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Sweetwater Regional financially healthy?
On its 2025Q4 NCUA 5300 filing, Sweetwater Regional scores 70/100 (Very Good), with a 19.88% net worth ratio and 0.55% of loans delinquent. It ranks #3,580 of 4,374 nationally on health and #312 of 386 in Texas.
How does Sweetwater Regional compare to other credit unions?
Sweetwater Regional scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.55% vs 1.81%). Its widest shortfall is loan-to-share ratio (57.14% vs 63.60%).
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?
Sweetwater Regional 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. Sweetwater Regional's net worth ratio of 19.88% 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.