State credit union · Dallas, Texas · NCUA charter #67507
Prestige Community
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $118.4M
- Total assets
- 7,908
- Members
- 8.6%
- Net-worth ratio
Prestige Community scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $118.4M; members 7,908; net-worth ratio 8.61%; health rank #4,005 of 4,374; healthier than 8th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,005 of 4,374 health · 2025Q4Prestige Community · health 62/100 · $118.4M · 2025Q4
- CAMELS 62/100
- HEALTH 8.6%
- NW 0.97%
- DELQ -0.43%
- ROA $118.4M
- ASSETS 7,908
- MEM #4,005/4,374
- RANK SOUND
- PHOTO 67507
Call Report peers
Prestige Community in the assets neighbourhood
Prestige Community's $118.4M assets sit next to SOUND ($118.6M) 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.
Prestige Community 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
62 8th percentile higher than 8% 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
Prestige Community - Share Insurance Coverage
Charter #67507'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.
Where Prestige Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 86.12% here, 72.20% peer average (+13.92 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.50 pp (8.61% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Prestige Community
- Health composite ranks #353 of 386 among scored Texas credit unions.
- Assets rank #135 of 386 inside Texas ($118.4M reported).
- Membership ranks #147 of 386 among Texas CUs with a reported count (7,908 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Prestige Community: 2025Q4 → 2026Q1
Prestige Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $118.4M (2025Q4) to $122.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.66% → 8.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 20.3 pts
- Return on Assets 0.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.61% | -3.50 pp |
| Delinquency Rate | 0.97% | +0.08 pp |
| Return on Assets | -0.43% | -1.06 pp |
| Member Growth | -5.38% | - |
| Loan-to-Share Ratio | 86.12% | +13.92 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).
Prestige Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $122.1M | - |
| 2025Q4 | $118.4M | 7,908 |
| 2024Q4 | $122.3M | 8,358 |
| 2023Q4 | $128.0M | 8,724 |
Credit Union Details
- Charter Number
- 67507
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Prestige Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Dallas, TX |
| McKinney Branch | McKinney, 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
Prestige Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($118.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Prestige Community ranks #4,005 of 4,374 nationally on financial health and #353 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BP
- 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 Prestige Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Prestige Community carries a financial health score of 62/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,005 of 4,374; by total assets it ranks #1,686 of 4,374 nationally (same basis as /rankings/largest); and #135 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.61% net worth ratio and a 0.97% delinquency rate.
How does Prestige Community compare to other credit unions?
On PlainCU's health composite, Prestige Community lands at 62/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Prestige Community?
Membership eligibility for Prestige Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Prestige Community directly for current membership requirements and application steps.
Is my money safe at Prestige Community?
Federal credit unions like Prestige Community 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. Prestige Community's net worth ratio of 8.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Prestige Community offer compared to banks?
Credit unions like Prestige Community 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 Prestige Community 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.