Federal credit union · PLAINS, Texas · NCUA charter #6472
Yoakum County
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $8.5M
- Total assets
- 942
- Members
- 24.6%
- Net-worth ratio
Yoakum County scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.5M; members 942; net-worth ratio 24.59%; health rank #2,678 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,678 of 4,374 health · 2025Q4Yoakum County · health 80/100 · $8.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Yoakum County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Yoakum County sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Yoakum County
- Largest favorable gap: Net Worth Ratio at 24.59% vs peer 19.06% (+5.53 pp).
- Return on Assets trails the peer set - 0.07% here, 0.45% peer average (-0.38 pp).
Yoakum County: in-state Call Report ranks
- Texas health ordinal: #243 of 386.
- By total assets, Yoakum County is #316 of 386 in Texas.
- Texas membership ordinal: #322 of 386.
- One place up in Texas, SHERWIN (#242) ties at 80/100; one place down, Federal Employees (#244) ties at 80/100.
Yoakum County Call Report trajectory
Yoakum County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.7% from $8.5M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted +1.29 pp (23.30% → 24.59%).
At 24.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Yoakum County gives up 20 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.7 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 14.7 pts
Yoakum County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.59% | +5.53 pp |
| Delinquency Rate | 0.14% | -1.67 pp |
| Return on Assets | 0.07% | -0.38 pp |
| Member Growth | -3.58% | - |
| Loan-to-Share Ratio | 68.00% | +4.40 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $8.5M | 942 |
| 2024Q4 | $9.0M | 977 |
| 2023Q4 | $9.5M | 1,041 |
Credit Union Details
- Charter Number
- 6472
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- PLAINS
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Yoakum County.
| Office | City |
|---|---|
| YOAKUM COUNTY FEDERAL CREDITY UNION (Main Office) | PLAINS, TX |
| YOAKUM COUNTY LIBRARY | PLAINS, TX |
| PLAINS STATE BANK | PLAINS, 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 Yoakum County
Similar health score
Using this data
- Yoakum County ranks #2,678 of 4,374 nationally on financial health and #243 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 20 Ibew is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 20 Ibew
Frequently Asked Questions
Is Yoakum County financially healthy?
On its 2025Q4 NCUA 5300 filing, Yoakum County scores 80/100 (Excellent), with a 24.59% net worth ratio and 0.14% of loans delinquent. It ranks #2,678 of 4,374 nationally on health and #243 of 386 in Texas.
How does Yoakum County compare to other credit unions?
Yoakum County scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (24.59% vs 19.06%). Its widest shortfall is return on assets (0.07% vs 0.45%).
How can I join Yoakum County?
Yoakum County 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 Yoakum County directly for the exact boundaries and application steps.
Is my money safe at Yoakum County?
Yoakum County 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. Yoakum County's net worth ratio of 24.59% 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.