Federal credit union · Houston, Texas · NCUA charter #2131
PRIMEWAY
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $724.4M
- Total assets
- 49,292
- Members
- 12.9%
- Net-worth ratio
PRIMEWAY scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $724.4M; members 49,292; net-worth ratio 12.86%; health rank #2,583 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PRIMEWAY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PRIMEWAY sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
PRIMEWAY vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +12.32 pp (96.22% vs 83.90%).
- Delinquency Rate trails the peer set - 1.35% here, 0.87% peer average (+0.48 pp).
Texas standing for PRIMEWAY
- In Texas, health place is #232 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #51 of 386.
- Membership ranks #49 of 386 among Texas CUs with a reported count (49,292 members).
- One place up in Texas, Metro Medical (#231) ties at 81/100; one place down, CAPROCK (#233) ties at 81/100.
Quarter path for PRIMEWAY
PRIMEWAY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $724.4M (2025Q4) to $731.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (13.11% → 12.86%).
This credit union's 12.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
PRIMEWAY gives up 19 points in total. Delinquency Rate costs the most, 7.6 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 12.4 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 12.1 pts
PRIMEWAY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.86% | +1.68 pp |
| Delinquency Rate | 1.35% | +0.48 pp |
| Return on Assets | 0.32% | -0.18 pp |
| Member Growth | 0.11% | - |
| Loan-to-Share Ratio | 96.22% | +12.32 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
PRIMEWAY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $731.8M | - |
| 2025Q4 | $724.4M | 49,292 |
| 2024Q4 | $725.0M | 49,240 |
| 2023Q4 | $751.1M | 50,391 |
Credit Union Details
- Charter Number
- 2131
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (7)
PRIMEWAY operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 290 Branch (Main Office) | Houston, TX |
| Cypress | Cypress, TX |
| Greenspoint | Houston, TX |
| Heights | Houston, TX |
| TMH | Houston, TX |
| Missouri City Branch | Missouri City, TX |
| Sugar Land | Sugar Land, 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.
PRIMEWAY nationwide neighbourhoods
Using this data
- PRIMEWAY ranks #2,583 of 4,374 nationally on financial health and #232 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Choice
Frequently Asked Questions
Is PRIMEWAY financially healthy?
On its 2025Q4 NCUA 5300 filing, PRIMEWAY scores 81/100 (Excellent), with a 12.86% net worth ratio and 1.35% of loans delinquent. It ranks #2,583 of 4,374 nationally on health and #232 of 386 in Texas.
How does PRIMEWAY compare to other credit unions?
PRIMEWAY scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.22% vs 83.90%). Its widest shortfall is delinquency rate (1.35% vs 0.87%).
How can I join PRIMEWAY?
PRIMEWAY 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 PRIMEWAY directly for the exact boundaries and application steps.
Is my money safe at PRIMEWAY?
PRIMEWAY 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. PRIMEWAY's net worth ratio of 12.86% 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.