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
Call Report peers
U. S. I. in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); U. S. I. sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Caprock Santa Fe (#307) ties at 71/100; one place down, Mount Olive Baptist Church (#309) ties at 71/100.
U. S. I.: 2025Q4 → 2026Q1
U. S. I.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $25.5M (2025Q4) to $26.3M (2026Q1).
- Net-worth ratio shifted -2.26 pp (22.24% → 19.98%).
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
U. S. I. gives up 29 points in total. Delinquency Rate costs the most, 21.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is U. S. I. financially healthy?
On its 2025Q4 NCUA 5300 filing, U. S. I. scores 71/100 (Very Good), with a 19.98% net worth ratio and 3.41% of loans delinquent. It ranks #3,516 of 4,374 nationally on health and #308 of 386 in Texas.
How does U. S. I. compare to other credit unions?
U. S. I. scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (104.79% vs 59.80%). Its widest shortfall is delinquency rate (3.41% vs 1.15%).
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.?
U. S. I. is a federal 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. U. S. I.'s net worth ratio of 19.98% 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.