State credit union · Cudahy, Wisconsin · NCUA charter #66449
Prime Financial
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $159.5M
- Total assets
- 16,147
- Members
- 9.8%
- Net-worth ratio
Prime Financial scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $159.5M; members 16,147; net-worth ratio 9.80%; health rank #2,771 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,771 of 4,374 health · 2025Q4Prime Financial · health 80/100 · $159.5M · 2025Q4
- BOOK 80/100
- CHARTER 9.8%
- NCUSIF 1.38%
- CAMELS 0.79%
- HEALTH $159.5M
- NW 16,147
- DELQ #2,771/4,374
- ROA ARRHA
- ASSETS 66449
Call Report peers
Prime Financial in the assets neighbourhood
Prime Financial's $159.5M assets sit next to ARRHA ($159.5M) 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.
Prime Financial 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
80 36th percentile higher than 36% 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
Prime Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66449 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Prime Financial
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +24.25 pp (96.45% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.80% vs peer 12.11% (-2.31 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Prime Financial in Wisconsin
- In Wisconsin, health place is #84 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #40 of 100.
- Member book place in Wisconsin: #31 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Prime Financial
Prime Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $159.5M (2025Q4) to $162.0M (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.84% → 9.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 12.6 pts
Call Report ratios for Prime Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.80% | -2.31 pp |
| Delinquency Rate | 1.38% | +0.48 pp |
| Return on Assets | 0.79% | +0.17 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 96.45% | +24.25 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $162.0M | - |
| 2025Q4 | $159.5M | 16,147 |
| 2024Q4 | $154.1M | 16,445 |
| 2023Q4 | $148.9M | 16,301 |
Credit Union Details
- Charter Number
- 66449
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Cudahy
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Prime Financial runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Prime Financial Credit Union (Main Office) | Cudahy, WI |
| Prime Financial Credit Union | Brown Deer, WI |
| Prime Financial Credit Union | Milwaukee, WI |
| Prime Financial Credit Union | Milwaukee, WI |
| Prime Financial Credit Union | Milwaukee, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Prime Financial
Cross-state asset and health neighbours for Prime Financial - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($159.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Prime Financial ranks #2,771 of 4,374 nationally on financial health and #84 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SENTRY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SENTRY
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 Prime Financial financially healthy?
A 9.80% net worth ratio and a 1.38% delinquency rate feed into Prime Financial's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,771 of 4,374; by total assets it ranks #1,451 of 4,374 nationally (same basis as /rankings/largest); and #40 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Prime Financial compare to other credit unions?
PlainCU's health composite puts Prime Financial at 80/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Prime Financial?
Membership eligibility for Prime Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Prime Financial directly for current membership requirements and application steps.
Is my money safe at Prime Financial?
Federal credit unions like Prime Financial 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. Prime Financial's net worth ratio of 9.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Prime Financial offer compared to banks?
Credit unions like Prime Financial 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 Prime Financial 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.