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
- RANK 90/100
- PHOTO 17.5%
- BOOK 0.45%
- CHARTER 0.91%
- NCUSIF $17.0M
- CAMELS 1,865
- HEALTH #1,047/4,374
- NW Berkeley Community
- DELQ 67439
Call Report peers
TXDOT in the assets neighbourhood
TXDOT's $17.0M assets sit next to Berkeley Community ($17.0M) 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.
TXDOT 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
90 Top 27% higher than 73% 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
TXDOT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67439: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TXDOT Call Report trajectory
TXDOT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $17.0M (2025Q4) to $17.6M (2026Q1).
- Net-worth ratio shifted -0.46 pp (17.95% → 17.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
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).
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
TXDOT's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 TXDOT financially healthy?
TXDOT scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,047 of 4,374; by total assets it ranks #3,243 of 4,374 nationally (same basis as /rankings/largest); and #271 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.49% net worth ratio and a 0.45% delinquency rate.
How does TXDOT compare to other credit unions?
90/100 is TXDOT's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like TXDOT 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. TXDOT's net worth ratio of 17.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TXDOT offer compared to banks?
Credit unions like TXDOT 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 TXDOT 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.