Federal credit union · Bridge City, Texas · NCUA charter #12181
WELLSPRING
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $91.5M
- Total assets
- 8,316
- Members
- 8.8%
- Net-worth ratio
WELLSPRING scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $91.5M; members 8,316; net-worth ratio 8.80%; health rank #1,524 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,524 of 4,374 health · 2025Q4WELLSPRING · health 88/100 · $91.5M · 2025Q4
Call Report peers
WELLSPRING in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WELLSPRING vs every NCUA-scored credit union
WELLSPRING 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
WELLSPRING vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 82.00% here, 62.60% peer average (+19.40 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.82 pp (8.80% vs 13.62%).
Texas standing for WELLSPRING
- Texas health ordinal: #144 of 386.
- By total assets, WELLSPRING is #152 of 386 in Texas.
- Member book place in Texas: #143 of 386.
- One place up in Texas, American Baptist Association (#143) ties at 88/100; one place down, Members First (#145) scores 87/100, 1 point lower.
Quarter path for WELLSPRING
WELLSPRING: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $91.5M (2025Q4) to $91.6M (2026Q1).
- Net-worth ratio shifted +1.14 pp (7.66% → 8.80%).
This credit union's 8.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
WELLSPRING gives up 12 points in total. Member Growth costs the most, 5.3 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.2 pts
WELLSPRING vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.80% | -4.82 pp |
| Delinquency Rate | 0.89% | -0.08 pp |
| Return on Assets | 0.76% | +0.11 pp |
| Member Growth | 0.56% | - |
| Loan-to-Share Ratio | 82.00% | +19.40 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - WELLSPRING
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $91.6M | - |
| 2025Q4 | $91.5M | 8,316 |
| 2024Q4 | $80.4M | 8,270 |
| 2023Q4 | $81.2M | 8,439 |
Credit Union Details
- Charter Number
- 12181
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Bridge City
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, WELLSPRING runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Bridge City Branch (Main Office) | Bridge City, TX |
| Beaumont Branch | Beaumont, TX |
| Mauriceville Branch | bridge city, TX |
| Orange Branch | West Orange, 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.
Other-state peers near WELLSPRING
Similar total assets
Similar health score
Using this data
- WELLSPRING ranks #1,524 of 4,374 nationally on financial health and #144 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cooperative Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cooperative Teachers
Frequently Asked Questions
Is WELLSPRING financially healthy?
On its 2025Q4 NCUA 5300 filing, WELLSPRING scores 88/100 (Excellent), with a 8.80% net worth ratio and 0.89% of loans delinquent. It ranks #1,524 of 4,374 nationally on health and #144 of 386 in Texas.
How does WELLSPRING compare to other credit unions?
WELLSPRING 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 (82.00% vs 62.60%). Its widest shortfall is net worth ratio (8.80% vs 13.62%).
How can I join WELLSPRING?
WELLSPRING 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 WELLSPRING directly for the exact boundaries and application steps.
Is my money safe at WELLSPRING?
WELLSPRING 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. WELLSPRING's net worth ratio of 8.80% 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.