State credit union · Temple, Texas · NCUA charter #67573
Temple Santa Fe Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $24.1M
- Total assets
- 1,686
- Members
- 8.3%
- Net-worth ratio
Temple Santa Fe Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.1M; members 1,686; net-worth ratio 8.34%; health rank #1,355 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,355 of 4,374 health · 2025Q4Temple Santa Fe Community · health 89/100 · $24.1M · 2025Q4
- NCUSIF 89/100
- CAMELS 8.3%
- HEALTH 0.18%
- NW 0.46%
- DELQ $24.1M
- ROA 1,686
- ASSETS #1,355/4,374
- MEM Billerica Municipal Employees
- RANK 67573
Call Report peers
Temple Santa Fe Community in the assets neighbourhood
Temple Santa Fe Community's $24.1M assets sit next to Billerica Municipal Employees ($24.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Temple Santa Fe Community 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
89 Top 31% higher than 69% 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
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 vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 65.64% here, 59.80% peer average (+5.84 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.52 pp (8.34% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Temple Santa Fe Community in Texas
- In Texas, health place is #128 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #244 of 386 inside Texas ($24.1M reported).
- Member book place in Texas: #271 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.
Quarter path for Temple Santa Fe Community
Temple Santa Fe Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $24.1M (2025Q4) to $24.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (8.51% → 8.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.3 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Temple Santa Fe Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.34% | -6.52 pp |
| Delinquency Rate | 0.18% | -0.97 pp |
| Return on Assets | 0.46% | -0.25 pp |
| Member Growth | 0.36% | - |
| Loan-to-Share Ratio | 65.64% | +5.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Temple Santa Fe Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.7M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Temple Santa Fe Community.
| Office | City |
|---|---|
| Temple Santa Fe Community Credit Union (Main Office) | Temple, TX |
| S&W Emp. Credit Union | Temple, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Temple Santa Fe Community - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Temple Santa Fe Community ranks #1,355 of 4,374 nationally on financial health and #128 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bayou City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bayou City
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,355 of 4,374; by total assets it ranks #3,021 of 4,374 nationally (same basis as /rankings/largest); and #244 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.34% 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 8.34% 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.
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.