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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,098 of 4,374 health · 2025Q4Union Square · health 59/100 · $597.5M · 2025Q4
- DELQ 59/100
- ROA 8.3%
- ASSETS 1.67%
- MEM -0.52%
- RANK $597.5M
- PHOTO 35,361
- BOOK #4,098/4,374
- CHARTER EMBLEM
- NCUSIF 68664
Union Square in the assets neighbourhood
Union Square's $597.5M assets sit next to EMBLEM ($597.1M) 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 Square 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
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
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.
Where Union Square diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 79.15% vs peer 83.90% (-4.75 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Union Square: 2025Q4 → 2026Q1
Union Square: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $597.5M (2025Q4) to $599.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (8.34% → 8.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Union Square - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($597.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,098 of 4,374; by total assets it ranks #681 of 4,374 nationally (same basis as /rankings/largest); and #56 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.25% 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 8.25% 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.
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.