State credit union · Houston, Texas · NCUA charter #61457
Priority Trust
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $189.6M
- Total assets
- 28,132
- Members
- 9.3%
- Net-worth ratio
Priority Trust scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $189.6M; members 28,132; net-worth ratio 9.31%; health rank #2,779 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,779 of 4,374 health · 2025Q4Priority Trust · health 80/100 · $189.6M · 2025Q4
Priority Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Priority Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Priority Trust sits in 80-84 with 767 others.
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
Priority Trust vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +13.14 pp (85.34% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.80 pp (9.31% vs 12.11%).
Texas standing for Priority Trust
- In Texas, health place is #250 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #108 of 386 inside Texas ($189.6M reported).
- Texas membership ordinal: #70 of 386.
- One place up in Texas, U. S. Employees (#249) ties at 80/100; one place down, AMOCO (#251) ties at 80/100.
Priority Trust Call Report trajectory
Priority Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $189.6M (2025Q4) to $192.4M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.38% → 9.31%).
This credit union's 9.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Priority Trust gives up 20 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 22.2 pts
- Return on Assets 14.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.31% | -2.80 pp |
| Delinquency Rate | 0.78% | -0.12 pp |
| Return on Assets | 0.50% | -0.13 pp |
| Member Growth | -8.95% | - |
| Loan-to-Share Ratio | 85.34% | +13.14 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Priority Trust filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $192.4M | - |
| 2025Q4 | $189.6M | 28,132 |
| 2024Q4 | $194.1M | 30,897 |
| 2023Q4 | $189.5M | 31,108 |
Credit Union Details
- Charter Number
- 61457
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Priority Trust runs 6 offices in 3 different cities.
| Office | City |
|---|---|
| Priority Trust Credit Union Almeda (Main Office) | Houston, TX |
| Downtown Branch | Houston, TX |
| Promise Branch | Houston, TX |
| Tidwell Branch | Houston, TX |
| Humble Branch | Humble, TX |
| Tomball Branch | Tomball, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Priority Trust ranks #2,779 of 4,374 nationally on financial health and #250 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lone Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lone Star
Frequently Asked Questions
Is Priority Trust financially healthy?
Priority Trust has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,779 of 4,374 nationally on health and #250 of 386 in Texas. Its net worth ratio is 9.31% and its delinquency rate 0.78%.
How does Priority Trust compare to other credit unions?
Priority Trust scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.34% vs 72.20%). Its widest shortfall is net worth ratio (9.31% vs 12.11%).
How can I join Priority Trust?
Membership eligibility for Priority Trust depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Priority Trust directly for current membership requirements and application steps.
Is my money safe at Priority Trust?
Priority Trust is a state-chartered 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. Priority Trust's net worth ratio of 9.31% 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.