Federal credit union · Lubbock, Texas · NCUA charter #12858
Texas Tech
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $442.2M
- Total assets
- 35,971
- Members
- 10.5%
- Net-worth ratio
Texas Tech scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $442.2M; members 35,971; net-worth ratio 10.55%; health rank #281 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#281 of 4,374 health · 2025Q4Texas Tech · health 96/100 · $442.2M · 2025Q4
Call Report peers
Texas Tech in the assets neighbourhood
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Texas Tech vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Texas Tech sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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
Peer-gap read for Texas Tech
- Largest favorable gap: Loan-to-Share Ratio at 80.16% vs peer 72.20% (+7.96 pp).
- Net Worth Ratio trails the peer set - 10.55% here, 12.11% peer average (-1.56 pp).
Texas standing for Texas Tech
- In Texas, health place is #25 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #69 of 386 inside Texas ($442.2M reported).
- Member book place in Texas: #60 of 386.
- One place up in Texas, ROCKDALE (#24) ties at 96/100; one place down, TEXELL (#26) ties at 96/100.
Texas Tech Call Report trajectory
Texas Tech: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $442.2M (2025Q4) to $447.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.54% → 10.55%).
This credit union's 10.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Texas Tech gives up 4 points in total. Return on Assets costs the most, 2.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 12.8 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.55% | -1.56 pp |
| Delinquency Rate | 0.54% | -0.35 pp |
| Return on Assets | 0.35% | -0.27 pp |
| Member Growth | 3.57% | - |
| Loan-to-Share Ratio | 80.16% | +7.96 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Texas Tech filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $447.0M | - |
| 2025Q4 | $442.2M | 35,971 |
| 2024Q4 | $415.6M | 34,732 |
| 2023Q4 | $385.3M | 33,607 |
Credit Union Details
- Charter Number
- 12858
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Lubbock
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Texas Tech runs 6 offices in 4 different cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Lubbock, TX |
| Abilene Branch Catclaw | Abilene, TX |
| FCS Branch | Floydada, TX |
| Health Sciences Center Branch | Lubbock, TX |
| Ravenwood Branch | Lubbock, TX |
| Midland Mortgage | Midland, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Texas Tech ranks #281 of 4,374 nationally on financial health and #25 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEXAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEXAR
Frequently Asked Questions
Is Texas Tech financially healthy?
Texas Tech has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #281 of 4,374 nationally on health and #25 of 386 in Texas. Its net worth ratio is 10.55% and its delinquency rate 0.54%.
How does Texas Tech compare to other credit unions?
Texas Tech scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.16% vs 72.20%). Its widest shortfall is net worth ratio (10.55% vs 12.11%).
How can I join Texas Tech?
Texas Tech 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 Tech directly for the exact boundaries and application steps.
Is my money safe at Texas Tech?
Texas Tech 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 Tech's net worth ratio of 10.55% 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.