State credit union · Odessa, Texas · NCUA charter #67592
West Texas
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $65.5M
- Total assets
- 5,081
- Members
- 9.3%
- Net-worth ratio
West Texas scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.5M; members 5,081; net-worth ratio 9.27%; health rank #2,017 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,017 of 4,374 health · 2025Q4West Texas · health 85/100 · $65.5M · 2025Q4
- NCUSIF 85/100
- CAMELS 9.3%
- HEALTH 0.95%
- NW 0.06%
- DELQ $65.5M
- ROA 5,081
- ASSETS #2,017/4,374
- MEM Morton Lane
- RANK 67592
Call Report peers
West Texas in the assets neighbourhood
West Texas's $65.5M assets sit next to Morton Lane ($65.5M) 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.
West Texas 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
85 Top 46% higher than 54% 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
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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 66.71% here, 62.60% peer average (+4.11 pp).
- Net Worth Ratio trails the peer set - 9.27% here, 13.62% peer average (-4.35 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Texas in Texas
- Health composite ranks #184 of 386 among scored Texas credit unions.
- By total assets, West Texas is #177 of 386 in Texas.
- Texas membership ordinal: #172 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.
West Texas: 2025Q4 → 2026Q1
West Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $65.5M (2025Q4) to $70.3M (2026Q1).
- Net-worth ratio shifted -0.65 pp (9.92% → 9.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 20.5 pts
- Return on Assets 7.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for West Texas
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.27% | -4.35 pp |
| Delinquency Rate | 0.95% | -0.01 pp |
| Return on Assets | 0.06% | -0.59 pp |
| Member Growth | 5.04% | - |
| Loan-to-Share Ratio | 66.71% | +4.11 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.3M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, West Texas runs 3 offices.
| Office | City |
|---|---|
| Mission Headquarters (Main Office) | Odessa, TX |
| Lee St. Office | Odessa, TX |
| 52nd St. Office | Odessa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for West Texas
Cross-state asset and health neighbours for West Texas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- West Texas ranks #2,017 of 4,374 nationally on financial health and #184 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Star of Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Star of Texas
- 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 West Texas financially healthy?
West Texas has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,017 of 4,374; by total assets it ranks #2,186 of 4,374 nationally (same basis as /rankings/largest); and #177 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.27% 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 85/100 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 9.27% 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.
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.