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
- HEALTH 89/100
- NW 21.0%
- DELQ 0.21%
- ROA 0.44%
- ASSETS $12.1M
- MEM 1,187
- RANK #1,187/4,374
- PHOTO A H E Plant 3
- BOOK 9246
Call Report peers
Pasadena Municipal in the assets neighbourhood
Pasadena Municipal's $12.1M assets sit next to A H E Plant 3 ($12.1M) 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.
Pasadena Municipal 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
89 Top 31% higher than 69% 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
Pasadena Municipal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9246: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Pasadena Municipal Call Report trajectory
Pasadena Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $12.1M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted -0.59 pp (21.63% → 21.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
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).
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
Two NCUA Call Report peer sets for Pasadena Municipal, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 Pasadena Municipal financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Pasadena Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,187 of 4,374; by total assets it ranks #3,453 of 4,374 nationally (same basis as /rankings/largest); and #290 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.04% net worth ratio and 0.21% delinquency rate are the key drivers.
How does Pasadena Municipal compare to other credit unions?
PlainCU's health composite puts Pasadena Municipal at 89/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Pasadena Municipal 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. Pasadena Municipal's net worth ratio of 21.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pasadena Municipal offer compared to banks?
Credit unions like Pasadena Municipal 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 Pasadena Municipal 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.