Federal credit union · Pasadena, Texas · NCUA charter #9246
Pasadena Municipal
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $12.1M
- Total assets
- 1,187
- Members
- 21.0%
- Net-worth ratio
Pasadena Municipal scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.1M; members 1,187; net-worth ratio 21.04%; health rank #1,187 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,187 of 4,374 health · 2025Q4Pasadena Municipal · health 89/100 · $12.1M · 2025Q4
Call Report peers
Pasadena Municipal in the assets neighbourhood
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Pasadena Municipal vs every NCUA-scored credit union
Pasadena Municipal sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Pasadena Municipal vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 103.21% vs peer 59.80% (+43.41 pp).
- Largest lag: Return on Assets at 0.44% vs peer 0.70% (-0.27 pp).
Pasadena Municipal: in-state Call Report ranks
- In Texas, health place is #110 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #290 of 386 inside Texas ($12.1M reported).
- Member book place in Texas: #306 of 386.
- One place up in Texas, BAYCEL (#109) ties at 89/100; one place down, Angelina County Teachers (#111) ties at 89/100.
Pasadena Municipal Call Report trajectory
Pasadena Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $12.1M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted -0.59 pp (21.63% → 21.04%).
21.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Pasadena Municipal gives up 11 points in total. Loan-to-Share Ratio costs the most, 5.7 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 14.1 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 9.6 pts
Pasadena Municipal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.04% | +6.18 pp |
| Delinquency Rate | 0.21% | -0.93 pp |
| Return on Assets | 0.44% | -0.27 pp |
| Member Growth | 1.11% | - |
| Loan-to-Share Ratio | 103.21% | +43.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Pasadena Municipal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 2025Q4 | $12.1M | 1,187 |
| 2024Q4 | $12.2M | 1,174 |
| 2023Q4 | $12.0M | 1,146 |
Credit Union Details
- Charter Number
- 9246
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Pasadena Municipal.
| Office | City |
|---|---|
| PMFCU (Main Office) | Pasadena, TX |
| PMFCU | Pasadena, TX |
| PMFCU-Credit Union | Pasadena, 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.
Nationwide credit unions with similar profiles
Using this data
- Pasadena Municipal ranks #1,187 of 4,374 nationally on financial health and #110 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scurry County School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scurry County School
Frequently Asked Questions
Is Pasadena Municipal financially healthy?
On its 2025Q4 NCUA 5300 filing, Pasadena Municipal scores 89/100 (Excellent), with a 21.04% net worth ratio and 0.21% of loans delinquent. It ranks #1,187 of 4,374 nationally on health and #110 of 386 in Texas.
How does Pasadena Municipal compare to other credit unions?
Pasadena Municipal scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (103.21% vs 59.80%). Its widest shortfall is return on assets (0.44% vs 0.70%).
How can I join Pasadena Municipal?
Pasadena Municipal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Pasadena Municipal directly to confirm current membership steps.
Is my money safe at Pasadena Municipal?
Pasadena Municipal 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. Pasadena Municipal's net worth ratio of 21.04% 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.