State credit union · Austin, Texas · NCUA charter #67428
Pecu
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $437.3M
- Total assets
- 21,509
- Members
- 14.1%
- Net-worth ratio
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.
Pecu - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth14
- Liquidity (loan-to-share)85
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.12% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 1.28% | 15% |
| Member Growth | -3.84% | 15% |
| Loan-to-Share Ratio | 59.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Pecu
Headquartered in Austin, Texas, Pecu is a state credit union with 21,509 members, $437.3M in total assets, and $225.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 14.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67428 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 59.84% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.44% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 1.28% on net income of $5.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.84%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Pecu financially healthy?
A 14.12% 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. 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 14.12% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.