Federal credit union · WILMINGTON, Delaware · NCUA charter #663
Priority Plus
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $23.2M
- Total assets
- 1,918
- Members
- 13.7%
- Net-worth ratio
Priority Plus - Share Insurance Coverage
Charter #663'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.
Priority Plus - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)80
- Member growth58
- Liquidity (loan-to-share)66
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.69% | 30% |
| Delinquency Rate | 0.92% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | -0.21% | 15% |
| Loan-to-Share Ratio | 43.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $23.2M | 1,918 |
| 2024Q4 | $22.9M | 1,922 |
| 2023Q4 | $23.2M | 1,971 |
Credit Union Details
- Charter Number
- 663
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Delaware
- City
- WILMINGTON
- Data Quarter
- 2025Q4
What This Data Says About Priority Plus
Headquartered in WILMINGTON, Delaware, Priority Plus is a federal credit union with 1,918 members, $23.2M in total assets, and $8.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 81/100 (Excellent), driven in part by a net worth ratio of 13.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #663 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.92% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 43.48% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.30% on net income of $69K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.21%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Delaware
Other federally-insured credit unions in Delaware, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Priority Plus financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Priority Plus's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.69% net worth ratio and 0.92% delinquency rate are the key drivers.
How does Priority Plus compare to other credit unions?
Priority Plus scores 81/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Priority Plus?
Priority Plus serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Priority Plus directly for the current list of qualifying groups.
Is my money safe at Priority Plus?
Federal credit unions like Priority Plus 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. Priority Plus's net worth ratio of 13.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Priority Plus offer compared to banks?
Credit unions like Priority Plus 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 Priority Plus directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.