Credit union · NCUA insured
5Point Credit Union
A $1.1B credit union headquartered in Nederland, TX, with 58,218 members and 8 branches in Texas. Best rates: CDs 4.24% and savings 0.40% APY.
5Point Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#15 of 22 in Beaumont, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 5Point Credit Union
- Headquarters
- 3700 Skyline Dr, Nederland, TX 77642
- NCUA charter
- 68643
Branches
8 branches in Texas
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Texas
8 branches
Beaumont area · 5
- FivePoint Credit Union4005 Dowlen Rd, Beaumont, TX 77706Directions
- FivePoint Credit Union2335 Texas Ave, Bridge City, TX 77611Directions
- FivePoint Credit Union141 N Lhs Dr Ste 219, Lumberton, TX 77657Directions
- FivePoint Credit Union3728 N 16th St, Orange, TX 77632Directions
- FivePoint Credit Union4401 Highway 73, Port Arthur, TX 77642Directions
Houston area · 3
- FivePoint Credit Union3570 FM 1488 Rd Ste 700, Conroe, TX 77384Directions
- FivePoint Credit Union13341 Farm-To-Market Road 1488, Magnolia, TX 77354Directions
- FivePoint Credit Union1021 Sawdust Rd Ste 150, Spring, TX 77380Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.78% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.76% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.45% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio8.78%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.76%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.45%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 5Point Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.