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
Call Report peers
West Texas in the assets neighbourhood
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West Texas vs every NCUA-scored credit union
West Texas sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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).
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.
- One place up in Texas, Hockley County (#183) ties at 85/100; one place down, SWEMP (#185) scores 84/100, 1 point lower.
West Texas: 2025Q4 → 2026Q1
West Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.2% from $65.5M (2025Q4) to $70.3M (2026Q1).
- Net-worth ratio shifted -0.65 pp (9.92% → 9.27%).
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
West Texas gives up 15 points in total. Return on Assets costs the most, 7.6 of its 15; Member Growth scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is West Texas financially healthy?
West Texas has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,017 of 4,374 nationally on health and #184 of 386 in Texas. Its net worth ratio is 9.27% and its delinquency rate 0.95%.
How does West Texas compare to other credit unions?
West Texas scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (66.71% vs 62.60%). Its widest shortfall is net worth ratio (9.27% vs 13.62%).
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?
West Texas is a state-chartered 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. West Texas's net worth ratio of 9.27% 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.