Federal credit union · AUSTIN, Texas · NCUA charter #1367
UNIVERSITY
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $4.20B
- Total assets
- 417,920
- Members
- 9.5%
- Net-worth ratio
UNIVERSITY scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.20B; members 417,920; net-worth ratio 9.52%; health rank #847 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#847 of 4,374 health · 2025Q4UNIVERSITY · health 92/100 · $4.20B · 2025Q4
Call Report peers
UNIVERSITY in the assets neighbourhood
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UNIVERSITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNIVERSITY sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where UNIVERSITY diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.71% vs peer 83.90% (+5.81 pp).
- Largest lag: Net Worth Ratio at 9.52% vs peer 11.18% (-1.66 pp).
Texas standing for UNIVERSITY
- In Texas, health place is #77 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 386 inside Texas ($4.20B reported).
- Membership ranks #5 of 386 among Texas CUs with a reported count (417,920 members).
- One place up in Texas, MCT (#76) ties at 92/100; one place down, NAVARRO (#78) scores 91/100, 1 point lower.
Quarter path for UNIVERSITY
UNIVERSITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $4.20B (2025Q4) to $4.27B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.38% → 9.52%).
This credit union's 9.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
UNIVERSITY gives up 8 points in total. Delinquency Rate costs the most, 6.4 of its 25; Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 18.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for UNIVERSITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.52% | -1.66 pp |
| Delinquency Rate | 1.19% | +0.31 pp |
| Return on Assets | 0.63% | +0.13 pp |
| Member Growth | 5.46% | - |
| Loan-to-Share Ratio | 89.71% | +5.81 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.27B | - |
| 2025Q4 | $4.20B | 417,920 |
| 2024Q4 | $3.97B | 396,296 |
| 2023Q4 | $4.04B | 375,224 |
Credit Union Details
- Charter Number
- 1367
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- AUSTIN
- Data Quarter
- 2025Q4
Branch Locations (30)
The NCUA branch filing lists 30 physical offices for UNIVERSITY, spread across 12 cities.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Austin, TX |
| Lakeline | Austin, TX |
| Guadalupe | Austin, TX |
| Brodie | Austin, TX |
| Downtown | Austin, TX |
| University | Austin, TX |
| Ben White | Austin, TX |
| South Mopac | Austin, TX |
| Steck | Austin, TX |
| Scofield | Austin, TX |
| Concordia | Austin, TX |
| Gregory Gym | Austin, TX |
| Mueller | Austin, TX |
| Southpark Meadows | Austin, TX |
| ACC Highland | Austin, TX |
| ACC Eastview | Austin, TX |
| New Hope | Cedar Park, TX |
| Galveston | Galveston, TX |
| Georgetown | Georgetown, TX |
| UT Health | Houston, TX |
| Kyle | Kyle, TX |
| Victory Lakes | League City, TX |
| Manor | Manor, TX |
| Pearland | Pearland, TX |
| Pflugerville | Pflugerville, TX |
| Kelly Lane | Pflugerville, TX |
| Teravista | Round Rock, TX |
| Highway 79 | Round Rock, TX |
| San Marcos | San Marcos, TX |
| Texas State LBJ | San Marcos, 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.
UNIVERSITY nationwide neighbourhoods
Using this data
- UNIVERSITY ranks #847 of 4,374 nationally on financial health and #77 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Human is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Human
Frequently Asked Questions
Is UNIVERSITY financially healthy?
On its 2025Q4 NCUA 5300 filing, UNIVERSITY scores 92/100 (Excellent), with a 9.52% net worth ratio and 1.19% of loans delinquent. It ranks #847 of 4,374 nationally on health and #77 of 386 in Texas.
How does UNIVERSITY compare to other credit unions?
UNIVERSITY scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.71% vs 83.90%). Its widest shortfall is net worth ratio (9.52% vs 11.18%).
How can I join UNIVERSITY?
UNIVERSITY 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 UNIVERSITY directly for the exact boundaries and application steps.
Is my money safe at UNIVERSITY?
UNIVERSITY 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. UNIVERSITY's net worth ratio of 9.52% 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.