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
- NW 88/100
- DELQ 9.7%
- ROA 0.95%
- ASSETS 0.40%
- MEM $26.3M
- RANK 2,146
- PHOTO #1,505/4,374
- BOOK Michigan Coastal
- CHARTER 11576
Call Report peers
Texhillco School Employees in the assets neighbourhood
Texhillco School Employees's $26.3M assets sit next to Michigan Coastal ($26.4M) 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.
Texhillco School Employees 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
88 Top 35% higher than 65% 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
Texhillco School Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11576. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Texhillco School Employees
Texhillco School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $26.3M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted -0.34 pp (10.04% → 9.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Texhillco School Employees, 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 ($26.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Texhillco School Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Texhillco School Employees carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,505 of 4,374; by total assets it ranks #2,956 of 4,374 nationally (same basis as /rankings/largest); and #237 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.70% net worth ratio and a 0.95% delinquency rate.
How does Texhillco School Employees compare to other credit unions?
On PlainCU's health composite, Texhillco School Employees lands at 88/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Texhillco School Employees 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. Texhillco School Employees's net worth ratio of 9.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texhillco School Employees offer compared to banks?
Credit unions like Texhillco School Employees 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 Texhillco School Employees 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.