Federal credit union · San Antonio, Texas · NCUA charter #97107
United Texas
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $423.9M
- Total assets
- 20,801
- Members
- 9.6%
- Net-worth ratio
United Texas scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $423.9M; members 20,801; net-worth ratio 9.58%; health rank #2,889 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,889 of 4,374 health · 2025Q4United Texas · health 79/100 · $423.9M · 2025Q4
Call Report peers
United Texas in the assets neighbourhood
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United Texas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Texas sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
United Texas vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +3.30 pp (75.50% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.58% here, 12.11% peer average (-2.53 pp).
Texas standing for United Texas
- In Texas, health place is #257 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, United Texas is #71 of 386 in Texas.
- Membership ranks #83 of 386 among Texas CUs with a reported count (20,801 members).
- One place up in Texas, Star Financial (#256) ties at 79/100; one place down, Fannin County Teachers (#258) scores 78/100, 1 point lower.
United Texas: 2024Q4 → 2025Q4
United Texas: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved +1.7% from $416.8M (2024Q4) to $423.9M (2025Q4).
- Membership moved -6.3% from 22,190 to 20,801 over the same window.
- Net-worth ratio shifted +0.42 pp (9.16% → 9.58%).
At 9.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
United Texas gives up 21 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 12.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.58% | -2.53 pp |
| Delinquency Rate | 0.80% | -0.10 pp |
| Return on Assets | 0.34% | -0.28 pp |
| Member Growth | -6.26% | - |
| Loan-to-Share Ratio | 75.50% | +3.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
United Texas filing history
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $423.9M | 20,801 |
| 2024Q4 | $416.8M | 22,190 |
| 2023Q4 | $410.6M | 22,891 |
Credit Union Details
- Charter Number
- 97107
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near United Texas
Using this data
- United Texas ranks #2,889 of 4,374 nationally on financial health and #257 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMERICA'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMERICA'S
Frequently Asked Questions
Is United Texas financially healthy?
On its 2025Q4 NCUA 5300 filing, United Texas scores 79/100 (Very Good), with a 9.58% net worth ratio and 0.80% of loans delinquent. It ranks #2,889 of 4,374 nationally on health and #257 of 386 in Texas.
How does United Texas compare to other credit unions?
United Texas scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (75.50% vs 72.20%). Its widest shortfall is net worth ratio (9.58% vs 12.11%).
How can I join United Texas?
Membership eligibility for United Texas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Texas directly for current membership requirements and application steps.
Is my money safe at United Texas?
United Texas 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. United Texas's net worth ratio of 9.58% 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.