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
- NW 80/100
- DELQ 9.3%
- ROA 0.78%
- ASSETS 0.50%
- MEM $189.6M
- RANK 28,132
- PHOTO #2,779/4,374
- BOOK SCHOOLS
- CHARTER 61457
Priority Trust in the assets neighbourhood
Priority Trust's $189.6M assets sit next to SCHOOLS ($189.8M) 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.
Priority Trust 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
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 - Share Insurance Coverage
Charter #61457'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 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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Priority Trust Call Report trajectory
Priority Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $189.6M (2025Q4) to $192.4M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.38% → 9.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Priority Trust, 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 ($189.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 Priority Trust financially healthy?
A 9.31% net worth ratio and a 0.78% delinquency rate feed into Priority Trust's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,779 of 4,374; by total assets it ranks #1,305 of 4,374 nationally (same basis as /rankings/largest); and #108 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Priority Trust compare to other credit unions?
Priority Trust scores 80/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 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?
Federal credit unions like Priority Trust 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 Trust's net worth ratio of 9.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Priority Trust offer compared to banks?
Credit unions like Priority Trust 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 Trust 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.