State credit union · Wichita Falls, Texas · NCUA charter #61527
Texoma Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $307.6M
- Total assets
- 26,670
- Members
- 11.4%
- Net-worth ratio
Texoma Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $307.6M; members 26,670; net-worth ratio 11.42%; health rank #647 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#647 of 4,374 health · 2025Q4Texoma Community · health 93/100 · $307.6M · 2025Q4
- RANK 93/100
- PHOTO 11.4%
- BOOK 0.67%
- CHARTER 0.93%
- NCUSIF $307.6M
- CAMELS 26,670
- HEALTH #647/4,374
- NW Peninsula Community
- DELQ 61527
Call Report peers
Texoma Community in the assets neighbourhood
Texoma Community's $307.6M assets sit next to Peninsula Community ($307.5M) 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.
Texoma Community 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
93 Top 16% higher than 84% 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
Texoma Community - Share Insurance Coverage
Charter #61527's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Texoma Community diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +26.45 pp (98.65% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.42% vs peer 12.11% (-0.69 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Texoma Community
- In Texas, health place is #58 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Texoma Community is #85 of 386 in Texas.
- Member book place in Texas: #74 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Texoma Community: 2025Q4 → 2026Q1
Texoma Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $307.6M (2025Q4) to $314.5M (2026Q1).
- Net-worth ratio shifted -0.25 pp (11.67% → 11.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 11.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -0.69 pp |
| Delinquency Rate | 0.67% | -0.22 pp |
| Return on Assets | 0.93% | +0.31 pp |
| Member Growth | 3.79% | - |
| Loan-to-Share Ratio | 98.65% | +26.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Texoma Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $314.5M | - |
| 2025Q4 | $307.6M | 26,670 |
| 2024Q4 | $276.5M | 25,697 |
| 2023Q4 | $271.0M | 25,326 |
Credit Union Details
- Charter Number
- 61527
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Wichita Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Texoma Community runs 3 offices.
| Office | City |
|---|---|
| SAR (1 DT and 1 Lobby ATM) (Main Office) | Wichita Falls, TX |
| SPO (2 DT & 1 Lobby ATM) | Wichita Falls, TX |
| Downtown Branch | Wichita Falls, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Texoma Community
Cross-state asset and health neighbours for Texoma Community - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($307.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Texoma Community ranks #647 of 4,374 nationally on financial health and #58 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACFCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACFCU
- 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 Texoma Community financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Texoma Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #647 of 4,374; by total assets it ranks #1,025 of 4,374 nationally (same basis as /rankings/largest); and #85 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.42% net worth ratio and 0.67% delinquency rate are the key drivers.
How does Texoma Community compare to other credit unions?
PlainCU's health composite puts Texoma Community at 93/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Texoma Community?
Membership eligibility for Texoma Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Texoma Community directly for current membership requirements and application steps.
Is my money safe at Texoma Community?
Federal credit unions like Texoma Community 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. Texoma Community's net worth ratio of 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texoma Community offer compared to banks?
Credit unions like Texoma Community 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 Texoma Community 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.