State credit union · Austin, Texas · NCUA charter #67428
PECU
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $437.3M
- Total assets
- 21,509
- Members
- 14.3%
- Net-worth ratio
PECU scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $437.3M; members 21,509; net-worth ratio 14.31%; health rank #1,934 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,934 of 4,374 health · 2025Q4PECU · health 85/100 · $437.3M · 2025Q4
- HEALTH 85/100
- NW 14.3%
- DELQ 0.44%
- ROA 1.28%
- ASSETS $437.3M
- MEM 21,509
- RANK #1,934/4,374
- PHOTO CDC
- BOOK 67428
Call Report peers
PECU in the assets neighbourhood
PECU's $437.3M assets sit next to CDC ($436.5M) 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.
PECU 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
85 Top 46% higher than 54% 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
PECU - Share Insurance Coverage
Charter #67428's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for PECU
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.20 pp (14.31% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 59.84% here, 72.20% peer average (-12.36 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PECU: in-state Call Report ranks
- Health composite ranks #176 of 386 among scored Texas credit unions.
- Assets rank #70 of 386 inside Texas ($437.3M reported).
- Member book place in Texas: #80 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.
PECU: 2025Q4 → 2026Q1
PECU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $437.3M (2025Q4) to $439.1M (2026Q1).
- Net-worth ratio shifted +0.17 pp (14.14% → 14.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.31% | +2.20 pp |
| Delinquency Rate | 0.44% | -0.45 pp |
| Return on Assets | 1.28% | +0.66 pp |
| Member Growth | -3.84% | - |
| Loan-to-Share Ratio | 59.84% | -12.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
PECU filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $439.1M | - |
| 2025Q4 | $437.3M | 21,509 |
| 2024Q4 | $429.8M | 22,369 |
| 2023Q4 | $426.3M | 22,658 |
Credit Union Details
- Charter Number
- 67428
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, PECU runs 5 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Austin, TX |
| Walnut Creek Business Park Branch Office | Austin, TX |
| North Branch Office | Austin, TX |
| Oak Hill Branch Office | Austin, TX |
| Round Rock Branch Office | Austin, 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.
Nationwide credit unions with similar profiles
PECU's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($437.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- PECU ranks #1,934 of 4,374 nationally on financial health and #176 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Tech is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Tech
- 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 PECU financially healthy?
A 14.31% net worth ratio and a 0.44% delinquency rate feed into PECU's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,934 of 4,374; by total assets it ranks #815 of 4,374 nationally (same basis as /rankings/largest); and #70 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PECU compare to other credit unions?
Five weighted metrics from NCUA filings produce PECU's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 PECU?
Membership eligibility for PECU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PECU directly for current membership requirements and application steps.
Is my money safe at PECU?
Federal credit unions like PECU 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. PECU's net worth ratio of 14.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PECU offer compared to banks?
Credit unions like PECU 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 PECU 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.