Federal credit union · Kenedy, Texas · NCUA charter #17953
TEXSTAR
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $20.9M
- Total assets
- 1,219
- Members
- 13.6%
- Net-worth ratio
TEXSTAR scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.9M; members 1,219; net-worth ratio 13.59%; health rank #3,647 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,647 of 4,374 health · 2025Q4TEXSTAR · health 69/100 · $20.9M · 2025Q4
- ASSETS 69/100
- MEM 13.6%
- RANK 2.38%
- PHOTO 0.75%
- BOOK $20.9M
- CHARTER 1,219
- NCUSIF #3,647/4,374
- CAMELS Niagara Falls a F
- HEALTH 17953
Call Report peers
TEXSTAR in the assets neighbourhood
TEXSTAR's $20.9M assets sit next to Niagara Falls a F ($21.0M) 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.
TEXSTAR 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
69 16th percentile higher than 16% 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
TEXSTAR - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #17953: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
TEXSTAR: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.05 pp (0.75% vs 0.70%).
- Largest lag: Loan-to-Share Ratio at 29.47% vs peer 59.80% (-30.33 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for TEXSTAR
- Texas health ordinal: #321 of 386.
- Assets rank #252 of 386 inside Texas ($20.9M reported).
- Membership ranks #304 of 386 among Texas CUs with a reported count (1,219 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 TEXSTAR
TEXSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.2% from $20.9M (2025Q4) to $20.0M (2026Q1).
- Net-worth ratio shifted +0.60 pp (12.99% → 13.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 8.4 pts
TEXSTAR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.59% | -1.27 pp |
| Delinquency Rate | 2.38% | +1.24 pp |
| Return on Assets | 0.75% | +0.05 pp |
| Member Growth | -1.93% | - |
| Loan-to-Share Ratio | 29.47% | -30.33 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.0M | - |
| 2025Q4 | $20.9M | 1,219 |
| 2024Q4 | $22.6M | 1,243 |
| 2023Q4 | $24.5M | 1,246 |
Credit Union Details
- Charter Number
- 17953
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Kenedy
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for TEXSTAR.
| Office | City |
|---|---|
| TexStar Federal Credit Union (Main Office) | Kenedy, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
TEXSTAR nationwide neighbourhoods
TEXSTAR's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- TEXSTAR ranks #3,647 of 4,374 nationally on financial health and #321 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LCRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LCRA
- 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 TEXSTAR financially healthy?
TEXSTAR has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,647 of 4,374; by total assets it ranks #3,120 of 4,374 nationally (same basis as /rankings/largest); and #252 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.59% and delinquency rate of 2.38%.
How does TEXSTAR compare to other credit unions?
TEXSTAR scores 69/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 TEXSTAR?
TEXSTAR 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 TEXSTAR directly for the exact boundaries and application steps.
Is my money safe at TEXSTAR?
Federal credit unions like TEXSTAR 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. TEXSTAR's net worth ratio of 13.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TEXSTAR offer compared to banks?
Credit unions like TEXSTAR 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 TEXSTAR 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.