State credit union · Temple, Texas · NCUA charter #67573
Temple Santa Fe Community
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $24.1M
- Total assets
- 1,686
- Members
- 8.5%
- Net-worth ratio
Temple Santa Fe Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67573: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Temple Santa Fe Community - 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)88
- Asset quality (delinquency)100
- Earnings (ROA)96
- Member growth63
- Liquidity (loan-to-share)93
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.51% 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 | 8.51% | 30% |
| Delinquency Rate | 0.18% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | 0.36% | 15% |
| Loan-to-Share Ratio | 65.64% | 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 | $24.1M | 1,686 |
| 2024Q4 | $21.9M | 1,680 |
| 2023Q4 | $22.6M | 1,718 |
Credit Union Details
- Charter Number
- 67573
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Temple
- Data Quarter
- 2025Q4
What This Data Says About Temple Santa Fe Community
Temple Santa Fe Community is a state credit union headquartered in Temple, Texas, serving 1,686 members with $24.1M in total assets and $14.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 8.51% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67573 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 65.64% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.18% 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 tighter than peers. Return on assets stands at 0.46% on net income of $110K 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 0.36%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Temple Santa Fe Community financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Temple Santa Fe Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.51% net worth ratio and 0.18% delinquency rate are the key drivers.
How does Temple Santa Fe Community compare to other credit unions?
On PlainCU's health composite, Temple Santa Fe Community lands at 89/100, 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 Temple Santa Fe Community?
Membership eligibility for Temple Santa Fe Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Temple Santa Fe Community directly for current membership requirements and application steps.
Is my money safe at Temple Santa Fe Community?
Federal credit unions like Temple Santa Fe Community 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. Temple Santa Fe Community's net worth ratio of 8.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Temple Santa Fe Community offer compared to banks?
Credit unions like Temple Santa Fe Community 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 Temple Santa Fe Community 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.