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
NCUA 5300 Call Report Masthead
#2,583 of 4,374 health · 2025Q4PRIMEWAY · health 81/100 · $724.4M · 2025Q4
- RANK 81/100
- PHOTO 12.9%
- BOOK 1.35%
- CHARTER 0.32%
- NCUSIF $724.4M
- CAMELS 49,292
- HEALTH #2,583/4,374
- NW BMI
- DELQ 2131
PRIMEWAY in the assets neighbourhood
PRIMEWAY's $724.4M assets sit next to BMI ($723.8M) 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.
PRIMEWAY 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2131 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for PRIMEWAY
PRIMEWAY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $724.4M (2025Q4) to $731.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (13.11% → 12.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for PRIMEWAY, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($724.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 PRIMEWAY financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - PRIMEWAY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,583 of 4,374; by total assets it ranks #598 of 4,374 nationally (same basis as /rankings/largest); and #51 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.86% net worth ratio and 1.35% delinquency rate are the key drivers.
How does PRIMEWAY compare to other credit unions?
PRIMEWAY scores 81/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like PRIMEWAY 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. PRIMEWAY's net worth ratio of 12.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PRIMEWAY offer compared to banks?
Credit unions like PRIMEWAY 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 PRIMEWAY 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.