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
- RANK 80/100
- PHOTO 24.6%
- BOOK 0.14%
- CHARTER 0.07%
- NCUSIF $8.5M
- CAMELS 942
- HEALTH #2,678/4,374
- NW n/a
- DELQ 6472
Call Report peers
Yoakum County carries $8.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% 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
Yoakum County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6472: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Yoakum County Call Report trajectory
Yoakum County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.7% from $8.5M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted +1.29 pp (23.30% → 24.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Yoakum County - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 Yoakum County financially healthy?
A 24.59% net worth ratio and a 0.14% delinquency rate feed into Yoakum County's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,678 of 4,374; by total assets it ranks #3,640 of 4,374 nationally (same basis as /rankings/largest); and #316 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Yoakum County compare to other credit unions?
Five weighted metrics from NCUA filings produce Yoakum County's 80/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Yoakum County 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. Yoakum County's net worth ratio of 24.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Yoakum County offer compared to banks?
Credit unions like Yoakum County 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 Yoakum County 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.