Yoakum County Federal Credit Union (6472), a $8.6M credit union headquartered in Plains, TX, led by CEO Snead, reported $6.6M in member deposits at the end of 2025 Q3, a decrease of $647K (-8.9%) compared to the same quarter last year.
The credit union's 62.8% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Taken together: balance sheet contraction warrants strategic attention.
Deposit Composition
Yoakum County Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 63.9% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $4.2M | 63.9% | -19.5% |
| Share Certificates | $2.4M | 36.1% | +18.3% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Deposit contraction may reflect rate-sensitive members moving funds to higher-yielding alternatives, or broader economic pressures affecting member savings capacity.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $7.3M | $7K | |
| 2024 Q3 | $7.2M | -0.9% | $7K |
| 2024 Q4 | $6.9M | -4.6% | $7K |
| 2025 Q1 | $6.5M | -5.3% | $7K |
| 2025 Q2 | $6.4M | -1.9% | $7K |
| 2025 Q3 | $6.6M | +2.7% | $7K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Yoakum County Federal Credit Union serves 947 members, a decrease of 5.4% year-over-year. The average member deposit of $7K has declined 3.8% compared to last year.
Deposit retention remains a key focus in the current rate environment.
Historical Context: Since the 2008 Crisis
Yoakum County Federal Credit Union's deposit base has contracted 13% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $7.5M in member deposits serving 1,281 members.
Membership has declined 26% over this period, reflecting broader industry consolidation trends.
Peer Comparison
Among 629 credit unions in its $4.3M–$13.0M asset peer group, Yoakum County Federal Credit Union ranks in the 16th percentile for deposit growth. This suggests room for improvement in member deposit attraction and retention.
Outlook
Yoakum County Federal Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Yoakum County Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize its deposit base.
Track This Credit Union
Monitor Yoakum County Federal Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.