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.
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NCUA 5300 Call Report Masthead
#1,934 of 4,374 health · 2025Q4PECU · health 85/100 · $437.3M · 2025Q4
Call Report peers
PECU in the assets neighbourhood
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PECU vs every NCUA-scored credit union
PECU sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Texas, Members Choice of Central Texas (#175) ties at 85/100; one place down, Texoma Educators (#177) ties at 85/100.
PECU: 2025Q4 → 2026Q1
PECU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $437.3M (2025Q4) to $439.1M (2026Q1).
- Net-worth ratio shifted +0.17 pp (14.14% → 14.31%).
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
PECU gives up 15 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is PECU financially healthy?
On its 2025Q4 NCUA 5300 filing, PECU scores 85/100 (Excellent), with a 14.31% net worth ratio and 0.44% of loans delinquent. It ranks #1,934 of 4,374 nationally on health and #176 of 386 in Texas.
How does PECU compare to other credit unions?
PECU scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.31% vs 12.11%). Its widest shortfall is loan-to-share ratio (59.84% vs 72.20%).
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?
PECU is a state-chartered 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. PECU's net worth ratio of 14.31% 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.