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
Call Report peers
Texas Trust in the assets neighbourhood
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
Texas Trust sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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).
- One place up in Texas, MEMBERS (#166) ties at 86/100; one place down, Government Employees (#168) ties at 86/100.
Quarter path for Texas Trust
Texas Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $2.07B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.47% → 10.62%).
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
Texas Trust gives up 14 points in total. Delinquency Rate costs the most, 5.8 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Texas Trust financially healthy?
Texas Trust has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,827 of 4,374 nationally on health and #167 of 386 in Texas. Its net worth ratio is 10.62% and its delinquency rate 1.11%.
How does Texas Trust compare to other credit unions?
Texas Trust scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.90% vs 83.90%). Its widest shortfall is net worth ratio (10.62% vs 11.18%).
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?
Texas Trust is a state-chartered 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 Trust's net worth ratio of 10.62% 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.