State credit union · Abilene, Texas · NCUA charter #67439
TXDOT
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $17.0M
- Total assets
- 1,865
- Members
- 17.5%
- Net-worth ratio
TXDOT scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.0M; members 1,865; net-worth ratio 17.49%; health rank #1,047 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,047 of 4,374 health · 2025Q4TXDOT · health 90/100 · $17.0M · 2025Q4
Call Report peers
TXDOT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TXDOT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TXDOT sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TXDOT
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +44.87 pp (104.67% vs 59.80%).
TXDOT in Texas
- In Texas, health place is #100 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #271 of 386.
- Texas membership ordinal: #263 of 386.
- One place up in Texas, TEMPLE-INLAND (#99) ties at 90/100; one place down, DOMINO (#101) ties at 90/100.
TXDOT Call Report trajectory
TXDOT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $17.0M (2025Q4) to $17.6M (2026Q1).
- Net-worth ratio shifted -0.46 pp (17.95% → 17.49%).
17.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
TXDOT gives up 10 points in total. Loan-to-Share Ratio costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 8.8 pts
TXDOT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.49% | +2.63 pp |
| Delinquency Rate | 0.45% | -0.70 pp |
| Return on Assets | 0.91% | +0.20 pp |
| Member Growth | 1.80% | - |
| Loan-to-Share Ratio | 104.67% | +44.87 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
TXDOT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.6M | - |
| 2025Q4 | $17.0M | 1,865 |
| 2024Q4 | $16.6M | 1,832 |
| 2023Q4 | $16.4M | 1,851 |
Credit Union Details
- Charter Number
- 67439
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Abilene
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, TXDOT runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| TxDOT Credit Union (Main Office) | Abilene, TX |
| First Financial Bank | Abilene, TX |
| TxDOT Credit Union Odessa | Odessa, 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.
Other-state peers near TXDOT
Using this data
- TXDOT ranks #1,047 of 4,374 nationally on financial health and #100 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Midland Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Midland Municipal Employees
Frequently Asked Questions
Is TXDOT financially healthy?
On its 2025Q4 NCUA 5300 filing, TXDOT scores 90/100 (Excellent), with a 17.49% net worth ratio and 0.45% of loans delinquent. It ranks #1,047 of 4,374 nationally on health and #100 of 386 in Texas.
How does TXDOT compare to other credit unions?
TXDOT scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (104.67% vs 59.80%).
How can I join TXDOT?
Membership eligibility for TXDOT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TXDOT directly for current membership requirements and application steps.
Is my money safe at TXDOT?
TXDOT is a state-chartered 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. TXDOT's net worth ratio of 17.49% 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.