State credit union · Wichita Falls, Texas · NCUA charter #68664
Union Square
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $597.5M
- Total assets
- 35,361
- Members
- 8.3%
- Net-worth ratio
Union Square scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $597.5M; members 35,361; net-worth ratio 8.25%; health rank #4,098 of 4,374; healthier than 6th of scored peers.
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Union Square vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Union Square sits in 55-59 with 115 others.
59 6th percentile higher than 6% 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
Where Union Square diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 79.15% vs peer 83.90% (-4.75 pp).
Texas standing for Union Square
- Health composite ranks #362 of 386 among scored Texas credit unions.
- Assets rank #56 of 386 inside Texas ($597.5M reported).
- Membership ranks #61 of 386 among Texas CUs with a reported count (35,361 members).
- One place up in Texas, Galveston Government Employees (#361) scores 60/100, 1 point higher; one place down, Our Mother of Mercy Parish Houston (#363) scores 58/100, 1 point lower.
Union Square: 2025Q4 → 2026Q1
Union Square: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $597.5M (2025Q4) to $599.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (8.34% → 8.25%).
At 8.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 59/100 score is built
Union Square gives up 41 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.6 pts
- Delinquency Rate 15.0 pts
- Return on Assets 0.0 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.25% | -2.93 pp |
| Delinquency Rate | 1.67% | +0.79 pp |
| Return on Assets | -0.52% | -1.03 pp |
| Member Growth | -3.37% | - |
| Loan-to-Share Ratio | 79.15% | -4.75 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Union Square filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $599.4M | - |
| 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
Branch Locations (5)
Union Square operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downtown Office (Main Office) | Wichita Falls, TX |
| Burk Office | Burkburnett, TX |
| Sheppard AFB | Sheppard AFB, TX |
| Kemp Street | Wichita Falls, TX |
| Lending Center | Wichita Falls, 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.
Union Square nationwide neighbourhoods
Using this data
- Union Square ranks #4,098 of 4,374 nationally on financial health and #362 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DUGOOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DUGOOD
Frequently Asked Questions
Is Union Square financially healthy?
On its 2025Q4 NCUA 5300 filing, Union Square scores 59/100 (Fair), with a 8.25% net worth ratio and 1.67% of loans delinquent. It ranks #4,098 of 4,374 nationally on health and #362 of 386 in Texas.
How does Union Square compare to other credit unions?
Union Square scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (79.15% vs 83.90%).
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?
Union Square is a state-chartered 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. Union Square's net worth ratio of 8.25% 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.