State credit union · Mansfield, Texas · NCUA charter #68434
Texas Trust
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $2.07B
- Total assets
- 136,598
- Members
- 10.6%
- Net-worth ratio
Texas Trust scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.07B; members 136,598; net-worth ratio 10.62%; health rank #1,827 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,827 of 4,374 health · 2025Q4Texas Trust · health 86/100 · $2.07B · 2025Q4
- MEM 86/100
- RANK 10.6%
- PHOTO 1.11%
- BOOK 0.31%
- CHARTER $2.07B
- NCUSIF 136,598
- CAMELS #1,827/4,374
- HEALTH WESTERRA
- NW 68434
Call Report peers
Texas Trust in the assets neighbourhood
Texas Trust's $2.07B assets sit next to WESTERRA ($2.07B) 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 Trust 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
86 Top 43% higher than 57% 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 Trust - Share Insurance Coverage
Charter #68434'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.
Where Texas Trust diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 89.90% here, 83.90% peer average (+6.00 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.56 pp (10.62% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas Trust in Texas
- Health composite ranks #167 of 386 among scored Texas credit unions.
- Assets rank #18 of 386 inside Texas ($2.07B reported).
- Membership ranks #17 of 386 among Texas CUs with a reported count (136,598 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Texas Trust
Texas Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $2.07B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.47% → 10.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 12.2 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Texas Trust
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -0.56 pp |
| Delinquency Rate | 1.11% | +0.24 pp |
| Return on Assets | 0.31% | -0.19 pp |
| Member Growth | 0.87% | - |
| Loan-to-Share Ratio | 89.90% | +6.00 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.07B | - |
| 2025Q4 | $2.07B | 136,598 |
| 2024Q4 | $1.99B | 135,418 |
| 2023Q4 | $2.03B | 137,010 |
Credit Union Details
- Charter Number
- 68434
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Mansfield
- Data Quarter
- 2025Q4
Branch Locations (22)
Per its most recent NCUA branch filing, Texas Trust runs 22 offices in 14 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Arlington, TX |
| Arlington Pioneer Branch | Arlington, TX |
| Arlington Little Road Branch | Arlington, TX |
| North Arlington Branch | Arlington, TX |
| Arlington Bardin Branch | Arlington, TX |
| Athens Palestine Branch | Athens, TX |
| Bedford Mid- Cities | Bedford, TX |
| Cedar Hill Uptown Village | Cedar Hill, TX |
| Desoto Pleasant Run | Desoto, TX |
| Flower Mound Towne View | Flower Mound, TX |
| Fort Worth Western Center | Fort Worth, TX |
| Grand Prairie Vought Branch | Grand Prairie, TX |
| Grand Prairie Camp Wisdon Branch | Grand Prairie, TX |
| Grand Prairie Carrier Branch | Grand Prairie, TX |
| Hurst Harwood Branch | Hurst, TX |
| Irving Las Colinas | Irving, TX |
| Mansfield Main Street Branch | Mansfield, TX |
| Mansfield Broad Street | Mansfield, TX |
| Midlothian Branch | Midlothian, TX |
| Pantego Branch | Pantego, TX |
| San Angelo Twohig | San Angelo, TX |
| San Angelo Sherwood | San Angelo, 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
Texas Trust's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Texas Trust ranks #1,827 of 4,374 nationally on financial health and #167 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHELL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHELL
- 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 Trust financially healthy?
Texas Trust has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,827 of 4,374; by total assets it ranks #253 of 4,374 nationally (same basis as /rankings/largest); and #18 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.62% and delinquency rate of 1.11%.
How does Texas Trust compare to other credit unions?
86/100 is Texas Trust's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Trust?
Membership eligibility for Texas Trust depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Texas Trust directly for current membership requirements and application steps.
Is my money safe at Texas Trust?
Federal credit unions like Texas Trust 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 Trust's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texas Trust offer compared to banks?
Credit unions like Texas Trust 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 Trust 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.