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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,485 of 4,374 health · 2025Q4Texas Dow Employees · health 72/100 · $5.04B · 2025Q4
- NCUSIF 72/100
- CAMELS 9.9%
- HEALTH 2.21%
- NW 0.23%
- DELQ $5.04B
- ROA 397,272
- ASSETS #3,485/4,374
- MEM FAIRWINDS
- RANK 60705
Call Report peers
Texas Dow Employees in the assets neighbourhood
Texas Dow Employees's $5.04B assets sit next to FAIRWINDS ($5.05B) 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.
Texas Dow Employees 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
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 - Share Insurance Coverage
Charter #60705'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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Texas Dow Employees's 5300 filing moved
Texas Dow Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $5.04B (2025Q4) to $5.10B (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.87% → 9.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- 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 |
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).
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
Cross-state asset and health neighbours for Texas Dow Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.04B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
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
- 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 Texas Dow Employees financially healthy?
Yes/no aside, the number is 72/100 (Very Good) - Texas Dow Employees'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 #3,485 of 4,374; by total assets it ranks #88 of 4,374 nationally (same basis as /rankings/largest); and #5 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.86% net worth ratio and 2.21% delinquency rate are the key drivers.
How does Texas Dow Employees compare to other credit unions?
On PlainCU's health composite, Texas Dow Employees lands at 72/100, 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 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?
Federal credit unions like Texas Dow Employees 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. Texas Dow Employees's net worth ratio of 9.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texas Dow Employees offer compared to banks?
Credit unions like Texas Dow Employees 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 Texas Dow Employees 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.