State credit union · Odessa, Texas · NCUA charter #67592
West Texas
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $65.5M
- Total assets
- 5,081
- Members
- 9.9%
- Net-worth ratio
West Texas - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67592 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
West Texas - 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)99
- Asset quality (delinquency)82
- Earnings (ROA)49
- Member growth100
- Liquidity (loan-to-share)95
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.92% | 30% |
| Delinquency Rate | 0.95% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | 5.04% | 15% |
| Loan-to-Share Ratio | 66.71% | 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 | $65.5M | 5,081 |
| 2024Q4 | $62.8M | 4,837 |
| 2023Q4 | $62.4M | 4,824 |
Credit Union Details
- Charter Number
- 67592
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Odessa
- Data Quarter
- 2025Q4
What This Data Says About West Texas
Charter #67592, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's West Texas, a state credit union in Odessa, Texas with 5,081 members, $65.5M in total assets, and $38.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 9.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 66.71% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.95% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.06% on net income of $42K 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 5.04%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 West Texas financially healthy?
West Texas has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.92% and delinquency rate of 0.95%.
How does West Texas compare to other credit unions?
Five weighted metrics from NCUA filings produce West Texas's 87/100 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 West Texas?
Membership eligibility for West Texas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact West Texas directly for current membership requirements and application steps.
Is my money safe at West Texas?
Federal credit unions like West Texas 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. West Texas's net worth ratio of 9.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does West Texas offer compared to banks?
Credit unions like West Texas 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 West Texas 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.