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
- RANK 96/100
- PHOTO 12.3%
- BOOK 0.55%
- CHARTER 0.65%
- NCUSIF $97.2M
- CAMELS 3,520
- HEALTH #254/4,374
- NW Va Desert Pacific
- DELQ 16373
Call Report peers
WINDTHORST in the assets neighbourhood
WINDTHORST's $97.2M assets sit next to Va Desert Pacific ($97.2M) 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.
WINDTHORST 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
96 Top 7% higher than 93% 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
WINDTHORST - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16373, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WINDTHORST: 2025Q4 → 2026Q1
WINDTHORST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $97.2M (2025Q4) to $100.1M (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.40% → 12.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
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).
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
Two NCUA Call Report peer sets for WINDTHORST, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($97.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 WINDTHORST financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - WINDTHORST'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 #254 of 4,374; by total assets it ranks #1,846 of 4,374 nationally (same basis as /rankings/largest); and #147 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.29% net worth ratio and 0.55% delinquency rate are the key drivers.
How does WINDTHORST compare to other credit unions?
96/100 is WINDTHORST's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like WINDTHORST 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. WINDTHORST's net worth ratio of 12.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WINDTHORST offer compared to banks?
Credit unions like WINDTHORST 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 WINDTHORST 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.