State credit union · Fort Worth, Texas · NCUA charter #60051
Tarrant County's Credit Union
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $122.5M
- Total assets
- 11,218
- Members
- 8.8%
- Net-worth ratio
Tarrant County's Credit Union - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60051, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Tarrant County's Credit Union - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth53
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.83% 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 | 8.83% | 30% |
| Delinquency Rate | 1.13% | 25% |
| Return on Assets | 0.71% | 15% |
| Member Growth | -0.56% | 15% |
| Loan-to-Share Ratio | 83.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $122.5M | 11,218 |
| 2024Q4 | $117.9M | 11,281 |
| 2023Q4 | $118.4M | 11,132 |
Credit Union Details
- Charter Number
- 60051
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
What This Data Says About Tarrant County's Credit Union
The five-factor composite scores Tarrant County's Credit Union at 84/100 (Excellent), reflecting a net worth ratio of 8.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Fort Worth, Texas, reports 11,218 members, $122.5M in total assets, and $91.3M in outstanding loans as of Q4 2025 under charter #60051 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 1.13% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 83.80% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.71% on net income of $865K 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 -0.56%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - 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 Tarrant County's Credit Union financially healthy?
A 8.83% net worth ratio and a 1.13% delinquency rate feed into Tarrant County's Credit Union's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tarrant County's Credit Union compare to other credit unions?
On PlainCU's health composite, Tarrant County's Credit Union lands at 84/100, compared to a peer group average for $100M–$500M 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 Tarrant County's Credit Union?
Membership eligibility for Tarrant County's Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tarrant County's Credit Union directly for current membership requirements and application steps.
Is my money safe at Tarrant County's Credit Union?
Federal credit unions like Tarrant County's Credit Union 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. Tarrant County's Credit Union's net worth ratio of 8.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tarrant County's Credit Union offer compared to banks?
Credit unions like Tarrant County's Credit Union 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 Tarrant County's Credit Union 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.