Federal credit union · Huntsville, Texas · NCUA charter #12068
Walker County
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $50.2M
- Total assets
- 5,022
- Members
- 17.2%
- Net-worth ratio
Walker County - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12068, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Walker County - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)73
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.25% | 30% |
| Delinquency Rate | 1.22% | 25% |
| Return on Assets | 1.79% | 15% |
| Member Growth | 0.46% | 15% |
| Loan-to-Share Ratio | 82.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $50.2M | 5,022 |
| 2024Q4 | $48.0M | 4,999 |
| 2023Q4 | $46.6M | 4,843 |
Credit Union Details
- Charter Number
- 12068
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Huntsville
- Data Quarter
- 2025Q4
What This Data Says About Walker County
Headquartered in Huntsville, Texas, Walker County is a federal credit union with 5,022 members, $50.2M in total assets, and $33.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 17.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #12068 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
1.22% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 82.31% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.79% on net income of $900K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.46%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Walker County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Walker County carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.25% net worth ratio and a 1.22% delinquency rate.
How does Walker County compare to other credit unions?
Five weighted metrics from NCUA filings produce Walker County's 88/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Walker County?
Walker County 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 Walker County directly for the exact boundaries and application steps.
Is my money safe at Walker County?
Federal credit unions like Walker County 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. Walker County's net worth ratio of 17.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Walker County offer compared to banks?
Credit unions like Walker County 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 Walker County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.