State credit union · Richardson, Texas · NCUA charter #60806
TEXANS
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $2.47B
- Total assets
- 140,077
- Members
- 10.7%
- Net-worth ratio
TEXANS scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.47B; members 140,077; net-worth ratio 10.68%; health rank #121 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#121 of 4,374 health · 2025Q4TEXANS · health 98/100 · $2.47B · 2025Q4
- PHOTO 98/100
- BOOK 10.7%
- CHARTER 0.68%
- NCUSIF 0.85%
- CAMELS $2.47B
- HEALTH 140,077
- NW #121/4,374
- DELQ Elements Financial
- ROA 60806
Call Report peers
TEXANS in the assets neighbourhood
TEXANS's $2.47B assets sit next to Elements Financial ($2.47B) 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.
TEXANS 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
98 Top 3% higher than 97% 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
TEXANS - Share Insurance Coverage
Charter #60806's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
TEXANS vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.34 pp (0.85% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.56 pp (77.34% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TEXANS in Texas
- Texas health ordinal: #9 of 386.
- Assets rank #16 of 386 inside Texas ($2.47B reported).
- Member book place in Texas: #16 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.
TEXANS: 2025Q4 → 2026Q1
TEXANS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.6% from $2.47B (2025Q4) to $2.61B (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.84% → 10.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
TEXANS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.68% | -0.50 pp |
| Delinquency Rate | 0.68% | -0.19 pp |
| Return on Assets | 0.85% | +0.34 pp |
| Member Growth | 7.49% | - |
| Loan-to-Share Ratio | 77.34% | -6.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.61B | - |
| 2025Q4 | $2.47B | 140,077 |
| 2024Q4 | $2.24B | 130,320 |
| 2023Q4 | $2.20B | 122,388 |
Credit Union Details
- Charter Number
- 60806
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Richardson
- Data Quarter
- 2025Q4
Branch Locations (14)
The NCUA branch filing lists 14 physical offices for TEXANS, spread across 12 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Richardson, TX |
| Addison-Dallas Pkwy/N Dallas Mary Kay Exec Bldg | Addison, TX |
| Allen | Allen, TX |
| Carrollton | Carrollton, TX |
| Irving Blvd | Dallas, TX |
| Preston & Forest | Dallas, TX |
| Frisco | Frisco, TX |
| Downtown Garland | Garland, TX |
| Telecom Parkway | Garland, TX |
| Irving-Valley Ranch | Irving, TX |
| Lewisville-Denton Tap Rd/R3 Mary Kay | Lewisville, TX |
| McKinney-Eldorado | McKinney, TX |
| Spring Creek | Plano, TX |
| Wylie | Wylie, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for TEXANS
Cross-state asset and health neighbours for TEXANS - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.47B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- TEXANS ranks #121 of 4,374 nationally on financial health and #9 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ADVANCIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ADVANCIAL
- 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 TEXANS financially healthy?
TEXANS scores 98/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #121 of 4,374; by total assets it ranks #215 of 4,374 nationally (same basis as /rankings/largest); and #16 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.68% net worth ratio and a 0.68% delinquency rate.
How does TEXANS compare to other credit unions?
On PlainCU's health composite, TEXANS lands at 98/100, compared to a peer group average for Over $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 TEXANS?
Membership eligibility for TEXANS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TEXANS directly for current membership requirements and application steps.
Is my money safe at TEXANS?
Federal credit unions like TEXANS 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. TEXANS's net worth ratio of 10.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TEXANS offer compared to banks?
Credit unions like TEXANS 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 TEXANS 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.