State credit union · Temple, Texas · NCUA charter #68608
TEXELL
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $773.5M
- Total assets
- 54,171
- Members
- 10.4%
- Net-worth ratio
TEXELL scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $773.5M; members 54,171; net-worth ratio 10.37%; health rank #285 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#285 of 4,374 health · 2025Q4TEXELL · health 96/100 · $773.5M · 2025Q4
Call Report peers
TEXELL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TEXELL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TEXELL 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
TEXELL: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 91.17% here, 83.90% peer average (+7.27 pp).
- Net Worth Ratio trails the peer set - 10.37% here, 11.18% peer average (-0.81 pp).
TEXELL: in-state Call Report ranks
- In Texas, health place is #26 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #48 of 386 inside Texas ($773.5M reported).
- Membership ranks #48 of 386 among Texas CUs with a reported count (54,171 members).
- One place up in Texas, Texas Tech (#25) ties at 96/100; one place down, Victoria Teachers (#27) scores 95/100, 1 point lower.
How TEXELL's 5300 filing moved
TEXELL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $773.5M (2025Q4) to $790.7M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.24% → 10.37%).
10.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
TEXELL gives up 4 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for TEXELL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.37% | -0.81 pp |
| Delinquency Rate | 0.47% | -0.41 pp |
| Return on Assets | 0.63% | +0.12 pp |
| Member Growth | 2.21% | - |
| Loan-to-Share Ratio | 91.17% | +7.27 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
TEXELL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $790.7M | - |
| 2025Q4 | $773.5M | 54,171 |
| 2024Q4 | $751.9M | 52,998 |
| 2023Q4 | $690.2M | 51,146 |
Credit Union Details
- Charter Number
- 68608
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Temple
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, TEXELL runs 8 offices in 7 different cities.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | TEMPLE, TX |
| Belton Branch | Belton, TX |
| Cedar Park | Cedar Park, TX |
| Georgetown Branch | Georgetown, TX |
| Killeen | Killeen, TX |
| 31st Branch | Temple, TX |
| Downtown Branch | Temple, TX |
| Hewitt | Waco, 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
- TEXELL ranks #285 of 4,374 nationally on financial health and #26 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Complex Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Complex Community
Frequently Asked Questions
Is TEXELL financially healthy?
TEXELL has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #285 of 4,374 nationally on health and #26 of 386 in Texas. Its net worth ratio is 10.37% and its delinquency rate 0.47%.
How does TEXELL compare to other credit unions?
TEXELL scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.17% vs 83.90%). Its widest shortfall is net worth ratio (10.37% vs 11.18%).
How can I join TEXELL?
Membership eligibility for TEXELL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TEXELL directly for current membership requirements and application steps.
Is my money safe at TEXELL?
TEXELL 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. TEXELL's net worth ratio of 10.37% 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.