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
- CHARTER 96/100
- NCUSIF 10.4%
- CAMELS 0.47%
- HEALTH 0.63%
- NW $773.5M
- DELQ 54,171
- ROA #285/4,374
- ASSETS Family Trust
- MEM 68608
Call Report peers
TEXELL in the assets neighbourhood
TEXELL's $773.5M assets sit next to Family Trust ($774.8M) 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.
TEXELL 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
TEXELL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68608, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How TEXELL's 5300 filing moved
TEXELL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $773.5M (2025Q4) to $790.7M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.24% → 10.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
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).
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
Two NCUA Call Report peer sets for TEXELL, 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 ($773.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 TEXELL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TEXELL carries a financial health score of 96/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #285 of 4,374; by total assets it ranks #570 of 4,374 nationally (same basis as /rankings/largest); and #48 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.37% net worth ratio and a 0.47% delinquency rate.
How does TEXELL compare to other credit unions?
96/100 is TEXELL'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 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?
Federal credit unions like TEXELL 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. TEXELL's net worth ratio of 10.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TEXELL offer compared to banks?
Credit unions like TEXELL 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 TEXELL 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.