Federal credit union · Deer Park, Texas · NCUA charter #13132
U. S. I.
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $25.5M
- Total assets
- 2,091
- Members
- 20.0%
- Net-worth ratio
U. S. I. scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.5M; members 2,091; net-worth ratio 19.98%; health rank #3,516 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,516 of 4,374 health · 2025Q4U. S. I. · health 71/100 · $25.5M · 2025Q4
- NCUSIF 71/100
- CAMELS 20.0%
- HEALTH 3.41%
- NW 0.99%
- DELQ $25.5M
- ROA 2,091
- ASSETS #3,516/4,374
- MEM Worcester Police Department
- RANK 13132
Call Report peers
U. S. I. in the assets neighbourhood
U. S. I.'s $25.5M assets sit next to Worcester Police Department ($25.4M) 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.
U. S. I. 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
71 18th percentile higher than 18% 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
U. S. I. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13132 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
U. S. I.: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 104.79% here, 59.80% peer average (+44.99 pp).
- Largest lag: Delinquency Rate at 3.41% vs peer 1.15% (+2.27 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
U. S. I.: in-state Call Report ranks
- In Texas, health place is #308 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #238 of 386 inside Texas ($25.5M reported).
- Membership ranks #249 of 386 among Texas CUs with a reported count (2,091 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.
U. S. I.: 2025Q4 → 2026Q1
U. S. I.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $25.5M (2025Q4) to $26.3M (2026Q1).
- Net-worth ratio shifted -2.26 pp (22.24% → 19.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.7 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 8.8 pts
U. S. I. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.98% | +5.12 pp |
| Delinquency Rate | 3.41% | +2.27 pp |
| Return on Assets | 0.99% | +0.29 pp |
| Member Growth | 3.77% | - |
| Loan-to-Share Ratio | 104.79% | +44.99 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 - U. S. I.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.3M | - |
| 2025Q4 | $25.5M | 2,091 |
| 2024Q4 | $21.3M | 2,015 |
| 2023Q4 | $19.5M | 1,218 |
Credit Union Details
- Charter Number
- 13132
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Deer Park
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for U. S. I..
| Office | City |
|---|---|
| USI Federal Credit Union (Main Office) | La Porte, 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.
U. S. I. nationwide neighbourhoods
U. S. I.'s nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- U. S. I. ranks #3,516 of 4,374 nationally on financial health and #308 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Concho Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Concho Valley
- 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 U. S. I. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, U. S. I. carries a financial health score of 71/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,516 of 4,374; by total assets it ranks #2,981 of 4,374 nationally (same basis as /rankings/largest); and #238 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.98% net worth ratio and a 3.41% delinquency rate.
How does U. S. I. compare to other credit unions?
Five weighted metrics from NCUA filings produce U. S. I.'s 71/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 U. S. I.?
U. S. I. 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 U. S. I. directly for the exact boundaries and application steps.
Is my money safe at U. S. I.?
Federal credit unions like U. S. I. 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. U. S. I.'s net worth ratio of 19.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U. S. I. offer compared to banks?
Credit unions like U. S. I. 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 U. S. I. 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.