Federal credit union · WINDTHORST, Texas · NCUA charter #16373
WINDTHORST
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $97.2M
- Total assets
- 3,520
- Members
- 12.3%
- Net-worth ratio
WINDTHORST scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.2M; members 3,520; net-worth ratio 12.29%; health rank #254 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#254 of 4,374 health · 2025Q4WINDTHORST · health 96/100 · $97.2M · 2025Q4
Call Report peers
WINDTHORST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WINDTHORST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WINDTHORST sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where WINDTHORST diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 76.74% here, 62.60% peer average (+14.14 pp).
- Net Worth Ratio trails the peer set - 12.29% here, 13.62% peer average (-1.33 pp).
WINDTHORST in Texas
- Texas health ordinal: #23 of 386.
- By total assets, WINDTHORST is #147 of 386 in Texas.
- Membership ranks #200 of 386 among Texas CUs with a reported count (3,520 members).
- One place up in Texas, Fort Worth City (#22) ties at 96/100; one place down, ROCKDALE (#24) ties at 96/100.
WINDTHORST: 2025Q4 → 2026Q1
WINDTHORST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $97.2M (2025Q4) to $100.1M (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.40% → 12.29%).
12.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
WINDTHORST gives up 4 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.29% | -1.33 pp |
| Delinquency Rate | 0.55% | -0.42 pp |
| Return on Assets | 0.65% | -0.01 pp |
| Member Growth | 2.18% | - |
| Loan-to-Share Ratio | 76.74% | +14.14 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
WINDTHORST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.1M | - |
| 2025Q4 | $97.2M | 3,520 |
| 2024Q4 | $90.5M | 3,445 |
| 2023Q4 | $82.0M | 3,359 |
Credit Union Details
- Charter Number
- 16373
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- WINDTHORST
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for WINDTHORST.
| Office | City |
|---|---|
| MAIN SITE (Main Office) | WINDTHORST, 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 WINDTHORST
Using this data
- WINDTHORST ranks #254 of 4,374 nationally on financial health and #23 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coastal Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coastal Community
Frequently Asked Questions
Is WINDTHORST financially healthy?
WINDTHORST has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #254 of 4,374 nationally on health and #23 of 386 in Texas. Its net worth ratio is 12.29% and its delinquency rate 0.55%.
How does WINDTHORST compare to other credit unions?
WINDTHORST scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (76.74% vs 62.60%). Its widest shortfall is net worth ratio (12.29% vs 13.62%).
How can I join WINDTHORST?
WINDTHORST 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 WINDTHORST directly for the exact boundaries and application steps.
Is my money safe at WINDTHORST?
WINDTHORST 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. WINDTHORST's net worth ratio of 12.29% 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.