Federal credit union · Huntsville, Texas · NCUA charter #12068
Walker County
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $50.2M
- Total assets
- 5,022
- Members
- 16.5%
- Net-worth ratio
Walker County scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.2M; members 5,022; net-worth ratio 16.54%; health rank #1,403 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,403 of 4,374 health · 2025Q4Walker County · health 88/100 · $50.2M · 2025Q4
Call Report peers
Walker County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Walker County vs every NCUA-scored credit union
Walker County sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Walker County vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 82.31% here, 62.60% peer average (+19.71 pp).
- Delinquency Rate trails the peer set - 1.22% here, 0.96% peer average (+0.25 pp).
Where Walker County sits in Texas
- Texas health ordinal: #134 of 386.
- Texas assets place: #192 of 386.
- Membership ranks #175 of 386 among Texas CUs with a reported count (5,022 members).
- One place up in Texas, Alcon Employees (#133) ties at 88/100; one place down, Brazos Star (#135) ties at 88/100.
Walker County Call Report trajectory
Walker County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $50.2M (2025Q4) to $52.9M (2026Q1).
- Net-worth ratio shifted -0.71 pp (17.25% → 16.54%).
At 16.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Walker County gives up 12 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.54% | +2.92 pp |
| Delinquency Rate | 1.22% | +0.25 pp |
| Return on Assets | 1.79% | +1.13 pp |
| Member Growth | 0.46% | - |
| Loan-to-Share Ratio | 82.31% | +19.71 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.9M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Walker County runs one office.
| Office | City |
|---|---|
| Walker County FCU (Main Office) | Huntsville, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Walker County nationwide neighbourhoods
Using this data
- Walker County ranks #1,403 of 4,374 nationally on financial health and #134 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Caprock Santa Fe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Caprock Santa Fe
Frequently Asked Questions
Is Walker County financially healthy?
Walker County has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,403 of 4,374 nationally on health and #134 of 386 in Texas. Its net worth ratio is 16.54% and its delinquency rate 1.22%.
How does Walker County compare to other credit unions?
Walker County scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (82.31% vs 62.60%). Its widest shortfall is delinquency rate (1.22% vs 0.96%).
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?
Walker County 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. Walker County's net worth ratio of 16.54% 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.