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
- MEM 88/100
- RANK 8.8%
- PHOTO 0.89%
- BOOK 0.76%
- CHARTER $91.5M
- NCUSIF 8,316
- CAMELS #1,524/4,374
- HEALTH Members Source
- NW 12181
Call Report peers
WELLSPRING in the assets neighbourhood
WELLSPRING's $91.5M assets sit next to Members Source ($91.7M) 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.
WELLSPRING 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12181: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 WELLSPRING
WELLSPRING: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $91.5M (2025Q4) to $91.6M (2026Q1).
- Net-worth ratio shifted +1.14 pp (7.66% → 8.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for WELLSPRING - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($91.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 WELLSPRING financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - WELLSPRING's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,524 of 4,374; by total assets it ranks #1,905 of 4,374 nationally (same basis as /rankings/largest); and #152 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.80% net worth ratio and 0.89% delinquency rate are the key drivers.
How does WELLSPRING compare to other credit unions?
WELLSPRING scores 88/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like WELLSPRING 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. WELLSPRING's net worth ratio of 8.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WELLSPRING offer compared to banks?
Credit unions like WELLSPRING 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 WELLSPRING 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.