Federal credit union · MUNCIE, Indiana · NCUA charter #489
Primetrust Financial
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $257.2M
- Total assets
- 18,597
- Members
- 10.0%
- Net-worth ratio
Primetrust Financial scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $257.2M; members 18,597; net-worth ratio 10.04%; health rank #125 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#125 of 4,374 health · 2025Q4Primetrust Financial · health 98/100 · $257.2M · 2025Q4
Call Report peers
Primetrust Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Primetrust Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Primetrust Financial sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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
Primetrust Financial: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 85.27% vs peer 72.20% (+13.07 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.07 pp (10.04% vs 12.11%).
Primetrust Financial in Indiana
- In Indiana, health place is #4 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #28 of 124 inside Indiana ($257.2M reported).
- Indiana membership ordinal: #29 of 124.
- One place up in Indiana, PURDUE (#3) ties at 98/100; one place down, Indiana State University (#5) scores 97/100, 1 point lower.
Primetrust Financial: 2025Q4 → 2026Q1
Primetrust Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $257.2M (2025Q4) to $265.2M (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.12% → 10.04%).
At 10.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Primetrust Financial gives up 2 points in total. Member Growth costs the most, 1.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 14.8 pts
Primetrust Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.04% | -2.07 pp |
| Delinquency Rate | 0.35% | -0.54 pp |
| Return on Assets | 0.52% | -0.10 pp |
| Member Growth | 3.47% | - |
| Loan-to-Share Ratio | 85.27% | +13.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Primetrust Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $265.2M | - |
| 2025Q4 | $257.2M | 18,597 |
| 2024Q4 | $238.6M | 17,973 |
| 2023Q4 | $225.1M | 18,048 |
Credit Union Details
- Charter Number
- 489
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- MUNCIE
- Data Quarter
- 2025Q4
Branch Locations (4)
Primetrust Financial operates 4 offices in Muncie, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| PrimeTrust Financial FCU (Main Office) | Muncie, IN |
| PrimeTrust Financial FCU | Muncie, IN |
| PrimeTrust Financial FCU | Muncie, IN |
| PrimeTrust Financial FCU | Muncie, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Primetrust Financial
Using this data
- Primetrust Financial ranks #125 of 4,374 nationally on financial health and #4 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ENCOMPASS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ENCOMPASS
Frequently Asked Questions
Is Primetrust Financial financially healthy?
Primetrust Financial has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #125 of 4,374 nationally on health and #4 of 124 in Indiana. Its net worth ratio is 10.04% and its delinquency rate 0.35%.
How does Primetrust Financial compare to other credit unions?
Primetrust Financial scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.27% vs 72.20%). Its widest shortfall is net worth ratio (10.04% vs 12.11%).
How can I join Primetrust Financial?
Primetrust Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Primetrust Financial directly for the exact boundaries and application steps.
Is my money safe at Primetrust Financial?
Primetrust Financial is a federal 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. Primetrust Financial's net worth ratio of 10.04% 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.