State credit union · Abilene, Texas · NCUA charter #67542
First Priority
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $21.6M
- Total assets
- 1,290
- Members
- 11.7%
- Net-worth ratio
First Priority scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.6M; members 1,290; net-worth ratio 11.71%; health rank #1,117 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,117 of 4,374 health · 2025Q4First Priority · health 90/100 · $21.6M · 2025Q4
- DELQ 90/100
- ROA 11.7%
- ASSETS 0.16%
- MEM 1.46%
- RANK $21.6M
- PHOTO 1,290
- BOOK #1,117/4,374
- CHARTER St. Vincent's Medical Center
- NCUSIF 67542
Call Report peers
First Priority in the assets neighbourhood
First Priority's $21.6M assets sit next to St. Vincent's Medical Center ($21.6M) 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.
First Priority 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
90 Top 27% higher than 73% 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
First Priority - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67542. See our deposit-insurance coverage note.
Peer-gap read for First Priority
- Largest favorable gap: Delinquency Rate at 0.16% vs peer 1.15% (-0.98 pp).
- Loan-to-Share Ratio trails the peer set - 43.66% here, 59.80% peer average (-16.14 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Priority sits in Texas
- Health composite ranks #105 of 386 among scored Texas credit unions.
- Assets rank #250 of 386 inside Texas ($21.6M reported).
- Member book place in Texas: #299 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.
First Priority: 2025Q4 → 2026Q1
First Priority: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $21.6M (2025Q4) to $22.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.83% → 11.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 10.3 pts
First Priority vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.71% | -3.15 pp |
| Delinquency Rate | 0.16% | -0.98 pp |
| Return on Assets | 1.46% | +0.75 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 43.66% | -16.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.4M | - |
| 2025Q4 | $21.6M | 1,290 |
| 2024Q4 | $19.8M | 1,283 |
| 2023Q4 | $20.9M | 1,315 |
Credit Union Details
- Charter Number
- 67542
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Abilene
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for First Priority.
| Office | City |
|---|---|
| First Priority Credit Union Single Branch (Main Office) | Abilene, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near First Priority
Cross-state asset and health neighbours for First Priority - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- First Priority ranks #1,117 of 4,374 nationally on financial health and #105 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MCMURREY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MCMURREY
- 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 First Priority financially healthy?
First Priority has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,117 of 4,374; by total assets it ranks #3,098 of 4,374 nationally (same basis as /rankings/largest); and #250 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.71% and delinquency rate of 0.16%.
How does First Priority compare to other credit unions?
On PlainCU's health composite, First Priority lands at 90/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 First Priority?
Membership eligibility for First Priority depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Priority directly for current membership requirements and application steps.
Is my money safe at First Priority?
Federal credit unions like First Priority 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. First Priority's net worth ratio of 11.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Priority offer compared to banks?
Credit unions like First Priority 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 First Priority 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.