Federal credit union · Houston, Texas · NCUA charter #15049
Union Fidelity
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $27.4M
- Total assets
- 5,789
- Members
- 19.8%
- Net-worth ratio
Union Fidelity scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.4M; members 5,789; net-worth ratio 19.75%; health rank #1,036 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,036 of 4,374 health · 2025Q4Union Fidelity · health 90/100 · $27.4M · 2025Q4
- PHOTO 90/100
- BOOK 19.8%
- CHARTER 1.66%
- NCUSIF 1.43%
- CAMELS $27.4M
- HEALTH 5,789
- NW #1,036/4,374
- DELQ Department of Public Safety
- ROA 15049
Call Report peers
Union Fidelity in the assets neighbourhood
Union Fidelity's $27.4M assets sit next to Department of Public Safety ($27.4M) 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.
Union Fidelity 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
Union Fidelity - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15049. See our deposit-insurance coverage note.
Where Union Fidelity diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 78.24% vs peer 59.80% (+18.44 pp).
- Delinquency Rate trails the peer set - 1.66% here, 1.15% peer average (+0.52 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Union Fidelity in Texas
- Health composite ranks #98 of 386 among scored Texas credit unions.
- Texas assets place: #234 of 386.
- Member book place in Texas: #163 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.
Quarter path for Union Fidelity
Union Fidelity: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $27.4M (2025Q4) to $28.1M (2026Q1).
- Net-worth ratio shifted -0.20 pp (19.95% → 19.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under 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 15.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Union Fidelity
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.75% | +4.89 pp |
| Delinquency Rate | 1.66% | +0.52 pp |
| Return on Assets | 1.43% | +0.72 pp |
| Member Growth | 11.43% | - |
| Loan-to-Share Ratio | 78.24% | +18.44 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 - Union Fidelity
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.1M | - |
| 2025Q4 | $27.4M | 5,789 |
| 2024Q4 | $24.8M | 5,195 |
| 2023Q4 | $24.2M | 5,130 |
Credit Union Details
- Charter Number
- 15049
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Union Fidelity.
| Office | City |
|---|---|
| Union Fidelity FCU (Main Office) | Houston, TX |
| Members Trust of the SW CU | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Union Fidelity
Cross-state asset and health neighbours for Union Fidelity - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Union Fidelity ranks #1,036 of 4,374 nationally on financial health and #98 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gulf Shore is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gulf Shore
- 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 Union Fidelity financially healthy?
A 19.75% net worth ratio and a 1.66% delinquency rate feed into Union Fidelity's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,036 of 4,374; by total assets it ranks #2,928 of 4,374 nationally (same basis as /rankings/largest); and #234 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Union Fidelity compare to other credit unions?
Union Fidelity scores 90/100 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 Union Fidelity?
Union Fidelity 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 Union Fidelity directly for the exact boundaries and application steps.
Is my money safe at Union Fidelity?
Federal credit unions like Union Fidelity 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. Union Fidelity's net worth ratio of 19.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Union Fidelity offer compared to banks?
Credit unions like Union Fidelity 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 Union Fidelity 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.