State credit union · Houston, Texas · NCUA charter #66582
P.I.E.
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $10.9M
- Total assets
- 1,138
- Members
- 24.4%
- Net-worth ratio
P.I.E. scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.9M; members 1,138; net-worth ratio 24.41%; health rank #438 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#438 of 4,374 health · 2025Q4P.I.E. · health 94/100 · $10.9M · 2025Q4
Call Report peers
P.I.E. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
P.I.E. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); P.I.E. sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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 P.I.E.
- Loan-to-Share Ratio leads the peer set - 79.61% here, 59.80% peer average (+19.81 pp).
Where P.I.E. sits in Texas
- In Texas, health place is #39 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #300 of 386 inside Texas ($10.9M reported).
- Member book place in Texas: #310 of 386.
- One place up in Texas, LUFKIN (#38) ties at 94/100; one place down, Ila 28 (#40) ties at 94/100.
P.I.E.: 2025Q4 → 2026Q1
P.I.E.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $10.9M (2025Q4) to $11.4M (2026Q1).
- Net-worth ratio shifted -0.68 pp (25.09% → 24.41%).
This credit union's 24.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
P.I.E. gives up 6 points in total. Member Growth costs the most, 4.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for P.I.E.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.41% | +9.55 pp |
| Delinquency Rate | 0.67% | -0.47 pp |
| Return on Assets | 1.71% | +1.00 pp |
| Member Growth | 1.25% | - |
| Loan-to-Share Ratio | 79.61% | +19.81 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - P.I.E.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.4M | - |
| 2025Q4 | $10.9M | 1,138 |
| 2024Q4 | $11.5M | 1,124 |
| 2023Q4 | $11.3M | 1,095 |
Credit Union Details
- Charter Number
- 66582
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for P.I.E..
| Office | City |
|---|---|
| P.I.E. Credit Union (Main Office) | Houston, 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
- P.I.E. ranks #438 of 4,374 nationally on financial health and #39 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Methodist Hospital Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Methodist Hospital Employees
Frequently Asked Questions
Is P.I.E. financially healthy?
On its 2025Q4 NCUA 5300 filing, P.I.E. scores 94/100 (Excellent), with a 24.41% net worth ratio and 0.67% of loans delinquent. It ranks #438 of 4,374 nationally on health and #39 of 386 in Texas.
How does P.I.E. compare to other credit unions?
P.I.E. scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (79.61% vs 59.80%).
How can I join P.I.E.?
Membership eligibility for P.I.E. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact P.I.E. directly for current membership requirements and application steps.
Is my money safe at P.I.E.?
P.I.E. 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. P.I.E.'s net worth ratio of 24.41% 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.