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
- HEALTH 92/100
- NW 9.5%
- DELQ 1.19%
- ROA 0.63%
- ASSETS $4.20B
- MEM 417,920
- RANK #847/4,374
- PHOTO ROGUE
- BOOK 1367
Call Report peers
UNIVERSITY in the assets neighbourhood
UNIVERSITY's $4.20B assets sit next to ROGUE ($4.20B) 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.
UNIVERSITY 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
92 Top 20% higher than 80% 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
UNIVERSITY - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1367 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
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 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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for UNIVERSITY
UNIVERSITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $4.20B (2025Q4) to $4.27B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.38% → 9.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Cross-state asset and health neighbours for UNIVERSITY - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.20B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 UNIVERSITY financially healthy?
A 9.52% net worth ratio and a 1.19% delinquency rate feed into UNIVERSITY's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #847 of 4,374; by total assets it ranks #120 of 4,374 nationally (same basis as /rankings/largest); and #10 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does UNIVERSITY compare to other credit unions?
UNIVERSITY scores 92/100 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 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?
Federal credit unions like UNIVERSITY 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. UNIVERSITY's net worth ratio of 9.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UNIVERSITY offer compared to banks?
Credit unions like UNIVERSITY 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 UNIVERSITY 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.