Federal credit union · Longview, Texas · NCUA charter #6687
T & P Longview
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $11.2M
- Total assets
- 1,044
- Members
- 23.3%
- Net-worth ratio
T & P Longview - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6687, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
T & P Longview - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)61
- Earnings (ROA)100
- Member growth55
- Liquidity (loan-to-share)83
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 23.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.26% | 30% |
| Delinquency Rate | 1.64% | 25% |
| Return on Assets | 0.88% | 15% |
| Member Growth | -0.38% | 15% |
| Loan-to-Share Ratio | 95.63% | 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 | $11.2M | 1,044 |
| 2024Q4 | $11.2M | 1,048 |
| 2023Q4 | $11.5M | 1,055 |
Credit Union Details
- Charter Number
- 6687
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Longview
- Data Quarter
- 2025Q4
What This Data Says About T & P Longview
Charter #6687, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's T & P Longview, a federal credit union in Longview, Texas with 1,044 members, $11.2M in total assets, and $8.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 81/100 (Excellent), helped by a net worth ratio of 23.26% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 95.63% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.64% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.88% on net income of $98K 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 -0.38%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 T & P Longview financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, T & P Longview carries a financial health score of 81/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.26% net worth ratio and a 1.64% delinquency rate.
How does T & P Longview compare to other credit unions?
T & P Longview scores 81/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 T & P Longview?
T & P Longview 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 T & P Longview directly for the exact boundaries and application steps.
Is my money safe at T & P Longview?
Federal credit unions like T & P Longview 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. T & P Longview's net worth ratio of 23.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does T & P Longview offer compared to banks?
Credit unions like T & P Longview 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 T & P Longview 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.