Federal credit union · Amarillo, Texas · NCUA charter #3828
Texas Plains
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $70.5M
- Total assets
- 9,920
- Members
- 13.6%
- Net-worth ratio
Texas Plains scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.5M; members 9,920; net-worth ratio 13.58%; health rank #613 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#613 of 4,374 health · 2025Q4Texas Plains · health 93/100 · $70.5M · 2025Q4
Call Report peers
Texas Plains in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texas Plains vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Texas Plains sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Where Texas Plains diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +20.79 pp (83.39% vs 62.60%).
- Return on Assets trails the peer set - 0.28% here, 0.66% peer average (-0.38 pp).
Where Texas Plains sits in Texas
- Health composite ranks #55 of 386 among scored Texas credit unions.
- By total assets, Texas Plains is #174 of 386 in Texas.
- Membership ranks #129 of 386 among Texas CUs with a reported count (9,920 members).
- One place up in Texas, Midwestern State University (#54) ties at 93/100; one place down, Santa Fe (#56) ties at 93/100.
Quarter path for Texas Plains
Texas Plains: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $70.5M (2025Q4) to $73.2M (2026Q1).
- Net-worth ratio shifted -0.44 pp (14.02% → 13.58%).
13.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Texas Plains gives up 7 points in total. Return on Assets costs the most, 3.3 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 11.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.5 pts
Texas Plains vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.58% | -0.04 pp |
| Delinquency Rate | 0.82% | -0.14 pp |
| Return on Assets | 0.28% | -0.38 pp |
| Member Growth | 10.55% | - |
| Loan-to-Share Ratio | 83.39% | +20.79 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.2M | - |
| 2025Q4 | $70.5M | 9,920 |
| 2024Q4 | $62.2M | 8,973 |
| 2023Q4 | $50.6M | 9,050 |
Credit Union Details
- Charter Number
- 3828
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Amarillo
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Texas Plains, spread across 6 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Amarillo, TX |
| Amarillo Branch | Amarillo, TX |
| Crosbyton Branch | Crosbyton, TX |
| Floydada Branch | Floydada, TX |
| Fritch Branch | Fritch, TX |
| Tahoka Branch | Tahoka, TX |
| Tulia Branch | Tulia, 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.
Texas Plains nationwide neighbourhoods
Using this data
- Texas Plains ranks #613 of 4,374 nationally on financial health and #55 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scott and White Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scott and White Employees
Frequently Asked Questions
Is Texas Plains financially healthy?
Texas Plains has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #613 of 4,374 nationally on health and #55 of 386 in Texas. Its net worth ratio is 13.58% and its delinquency rate 0.82%.
How does Texas Plains compare to other credit unions?
Texas Plains scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (83.39% vs 62.60%). Its widest shortfall is return on assets (0.28% vs 0.66%).
How can I join Texas Plains?
Texas Plains operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Texas Plains directly for the exact boundaries and application steps.
Is my money safe at Texas Plains?
Texas Plains is a federal 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 Plains's net worth ratio of 13.58% 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.