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
- ASSETS 96/100
- MEM 10.5%
- RANK 0.54%
- PHOTO 0.35%
- BOOK $442.2M
- CHARTER 35,971
- NCUSIF #281/4,374
- CAMELS Alabama State Employees
- HEALTH 12858
Call Report peers
Texas Tech in the assets neighbourhood
Texas Tech's $442.2M assets sit next to Alabama State Employees ($442.2M) 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 Tech 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
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
Texas Tech - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12858. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Texas Tech Call Report trajectory
Texas Tech: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $442.2M (2025Q4) to $447.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.54% → 10.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Texas Tech, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($442.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 Tech financially healthy?
A 10.55% net worth ratio and a 0.54% delinquency rate feed into Texas Tech's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #281 of 4,374; by total assets it ranks #806 of 4,374 nationally (same basis as /rankings/largest); and #69 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Texas Tech compare to other credit unions?
Five weighted metrics from NCUA filings produce Texas Tech's 96/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Texas Tech 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 Tech's net worth ratio of 10.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texas Tech offer compared to banks?
Credit unions like Texas Tech 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 Tech 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.