State credit union · Houston, Texas · NCUA charter #60705
Texas Dow Employees
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $5.04B
- Total assets
- 397,272
- Members
- 9.9%
- Net-worth ratio
Texas Dow Employees scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.04B; members 397,272; net-worth ratio 9.86%; health rank #3,485 of 4,374; healthier than 20th of scored peers.
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NCUA 5300 Call Report Masthead
#3,485 of 4,374 health · 2025Q4Texas Dow Employees · health 72/100 · $5.04B · 2025Q4
Call Report peers
Texas Dow Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texas Dow Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Texas Dow Employees sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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
Texas Dow Employees: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +27.16 pp (111.06% vs 83.90%).
- Largest lag: Delinquency Rate at 2.21% vs peer 0.87% (+1.34 pp).
Texas Dow Employees in Texas
- Health composite ranks #305 of 386 among scored Texas credit unions.
- Assets rank #5 of 386 inside Texas ($5.04B reported).
- Texas membership ordinal: #6 of 386.
- One place up in Texas, Coastal Community (#304) ties at 72/100; one place down, SOUTHERN (#306) scores 71/100, 1 point lower.
How Texas Dow Employees's 5300 filing moved
Texas Dow Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $5.04B (2025Q4) to $5.10B (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.87% → 9.86%).
9.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Texas Dow Employees gives up 28 points in total. Delinquency Rate costs the most, 13.8 of its 25; Net Worth Ratio loses the least, 0.4.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 11.2 pts
- Return on Assets 11.0 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 6.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.86% | -1.32 pp |
| Delinquency Rate | 2.21% | +1.34 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | 4.16% | - |
| Loan-to-Share Ratio | 111.06% | +27.16 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Texas Dow Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.10B | - |
| 2025Q4 | $5.04B | 397,272 |
| 2024Q4 | $4.77B | 381,422 |
| 2023Q4 | $4.67B | 385,822 |
Credit Union Details
- Charter Number
- 60705
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (34)
Per its most recent NCUA branch filing, Texas Dow Employees runs 34 offices in 26 different cities.
| Office | City |
|---|---|
| TDECU - Post Oak (Main Office) | Houston, TX |
| TDECU-Angleton | Angleton, TX |
| Angleton High School | Angleton, TX |
| TDECU-Bay City | Bay City, TX |
| TDECU-Garth Road | Baytown, TX |
| TDECU-Brazoria | Brazoria, TX |
| TDECU-Cuero | Cuero, TX |
| TDECU-Cypress Miramesa | Cypress, TX |
| TDECU-Edna | Edna, TX |
| TDECU-Town Center | Fort Worth, TX |
| TDECU-Freeport | Freeport, TX |
| TDECU-Garland | Garland, TX |
| TDECU-Hallettsville | Hallettsville, TX |
| TDECU-Houston | Houston, TX |
| TDECU-Heights | Houston, TX |
| TDECU-Greenway Plaza | Houston, TX |
| TDECU - UofH Cougar Branch | Houston, TX |
| Champions Forest | Houston, TX |
| TDECU-Cinco Ranch | Katy, TX |
| TDECU Oak Drive | Lake Jackson, TX |
| TDECU - Missouri City | Missouri City, TX |
| TDECU-Preston | Pasadena, TX |
| TDECU-Broadway | Pearland, TX |
| TDECU-Port Lavaca | Port Lavaca, TX |
| TDECU-Rosenberg | Rosenberg, TX |
| TDECU-Spring Gosling | Spring, TX |
| TDECU-Sugar Land | Sugar Land, TX |
| TDECU-Texas City | Texas City, TX |
| TDECU - Woodlands Six Pines | The Woodlands, TX |
| TDECU-Victoria North Navarro | Victoria, TX |
| TDECU-Victoria Mockingbird | Victoria, TX |
| TDECU-Victoria Rio Grande | Victoria, TX |
| TDECU-Columbia High School | West Columbia, TX |
| TDECU-Yoakum | Yoakum, 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.
Texas Dow Employees nationwide neighbourhoods
Using this data
- Texas Dow Employees ranks #3,485 of 4,374 nationally on financial health and #305 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RALLY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RALLY
Frequently Asked Questions
Is Texas Dow Employees financially healthy?
Texas Dow Employees has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,485 of 4,374 nationally on health and #305 of 386 in Texas. Its net worth ratio is 9.86% and its delinquency rate 2.21%.
How does Texas Dow Employees compare to other credit unions?
Texas Dow Employees scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (111.06% vs 83.90%). Its widest shortfall is delinquency rate (2.21% vs 0.87%).
How can I join Texas Dow Employees?
Membership eligibility for Texas Dow Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Texas Dow Employees directly for current membership requirements and application steps.
Is my money safe at Texas Dow Employees?
Texas Dow Employees is a state-chartered credit union; its shares are federally 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. Texas Dow Employees's net worth ratio of 9.86% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.