Federal credit union · Kerrville, Texas · NCUA charter #11576
Texhillco School Employees
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $26.3M
- Total assets
- 2,146
- Members
- 9.7%
- Net-worth ratio
Texhillco School Employees scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.3M; members 2,146; net-worth ratio 9.70%; health rank #1,505 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,505 of 4,374 health · 2025Q4Texhillco School Employees · health 88/100 · $26.3M · 2025Q4
Call Report peers
Texhillco School Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texhillco School Employees vs every NCUA-scored credit union
Texhillco School Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Texhillco School Employees diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 94.53% here, 59.80% peer average (+34.73 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.16 pp (9.70% vs 14.86%).
Texhillco School Employees in Texas
- Texas health ordinal: #142 of 386.
- Assets rank #237 of 386 inside Texas ($26.3M reported).
- Membership ranks #248 of 386 among Texas CUs with a reported count (2,146 members).
- One place up in Texas, FIRSTLIGHT (#141) ties at 88/100; one place down, American Baptist Association (#143) ties at 88/100.
Quarter path for Texhillco School Employees
Texhillco School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $26.3M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted -0.34 pp (10.04% → 9.70%).
9.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Texhillco School Employees gives up 12 points in total. Delinquency Rate costs the most, 4.5 of its 25; Net Worth Ratio loses the least, 0.8.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 20.5 pts
- Return on Assets 13.5 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 13.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.70% | -5.16 pp |
| Delinquency Rate | 0.95% | -0.19 pp |
| Return on Assets | 0.40% | -0.31 pp |
| Member Growth | 2.19% | - |
| Loan-to-Share Ratio | 94.53% | +34.73 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Texhillco School Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.1M | - |
| 2025Q4 | $26.3M | 2,146 |
| 2024Q4 | $23.2M | 2,100 |
| 2023Q4 | $22.4M | 2,079 |
Credit Union Details
- Charter Number
- 11576
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Kerrville
- Data Quarter
- 2025Q4
Branch Locations (2)
Texhillco School Employees operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Kerrville, TX |
| Vital Records Storage | Mobile, AL |
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.
Texhillco School Employees nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Texhillco School Employees ranks #1,505 of 4,374 nationally on financial health and #142 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dallas U.P. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dallas U.P. Employees
Frequently Asked Questions
Is Texhillco School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Texhillco School Employees scores 88/100 (Excellent), with a 9.70% net worth ratio and 0.95% of loans delinquent. It ranks #1,505 of 4,374 nationally on health and #142 of 386 in Texas.
How does Texhillco School Employees compare to other credit unions?
Texhillco School Employees scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (94.53% vs 59.80%). Its widest shortfall is net worth ratio (9.70% vs 14.86%).
How can I join Texhillco School Employees?
Texhillco School Employees 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 Texhillco School Employees directly for the exact boundaries and application steps.
Is my money safe at Texhillco School Employees?
Texhillco School Employees is a federal 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. Texhillco School Employees's net worth ratio of 9.70% 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.