State credit union · Wichita Falls, Texas · NCUA charter #68664
Union Square
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $597.5M
- Total assets
- 35,361
- Members
- 8.2%
- Net-worth ratio
Union Square - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68664. See our deposit-insurance coverage note.
Union Square - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)60
- Earnings (ROA)0
- Member growth20
- Liquidity (loan-to-share)100
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.23% | 30% |
| Delinquency Rate | 1.67% | 25% |
| Return on Assets | -0.52% | 15% |
| Member Growth | -3.37% | 15% |
| Loan-to-Share Ratio | 79.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $597.5M | 35,361 |
| 2024Q4 | $590.1M | 36,595 |
| 2023Q4 | $620.9M | 39,782 |
Credit Union Details
- Charter Number
- 68664
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Wichita Falls
- Data Quarter
- 2025Q4
What This Data Says About Union Square
35,361 members and $597.5M in total assets sit behind Union Square, a state credit union in Wichita Falls, Texas, which posts a health score of 59/100 (Fair) on the five-factor composite, with $432.4M in outstanding loans as of Q4 2025 and a net worth ratio of 8.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68664 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.67% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 79.15% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.52% on net income of $-3093134 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.37%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Union Square financially healthy?
Yes/no aside, the number is 59/100 (Fair) - Union Square's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.23% net worth ratio and 1.67% delinquency rate are the key drivers.
How does Union Square compare to other credit unions?
Union Square scores 59/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Square?
Membership eligibility for Union Square depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Union Square directly for current membership requirements and application steps.
Is my money safe at Union Square?
Federal credit unions like Union Square 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 Square's net worth ratio of 8.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Union Square offer compared to banks?
Credit unions like Union Square 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 Square directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.