Federal credit union · Houston, Texas · NCUA charter #9496
Sp Trainmen
Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $2.7M
- Total assets
- 476
- Members
- 10.0%
- Net-worth ratio
Sp Trainmen scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.7M; members 476; net-worth ratio 9.99%; health rank #4,339 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,339 of 4,374 health · 2025Q4Sp Trainmen · health 40/100 · $2.7M · 2025Q4
- BOOK 40/100
- CHARTER 10.0%
- NCUSIF 5.07%
- CAMELS -5.07%
- HEALTH $2.7M
- NW 476
- DELQ #4,339/4,374
- ROA n/a
- ASSETS 9496
Call Report peers
Sp Trainmen carries $2.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sp Trainmen 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
40 1st percentile higher than 1% 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
Sp Trainmen - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9496, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Sp Trainmen
- Largest lag: Loan-to-Share Ratio at 31.86% vs peer 63.60% (-31.74 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sp Trainmen in Texas
- Health composite ranks #385 of 386 among scored Texas credit unions.
- Assets rank #370 of 386 inside Texas ($2.7M reported).
- Membership ranks #365 of 386 among Texas CUs with a reported count (476 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.
Sp Trainmen: 2025Q4 → 2026Q1
Sp Trainmen: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $2.7M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted -0.57 pp (10.56% → 9.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 40/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 40.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.99% | -9.07 pp |
| Delinquency Rate | 5.07% | +3.26 pp |
| Return on Assets | -5.07% | -5.53 pp |
| Member Growth | -4.42% | - |
| Loan-to-Share Ratio | 31.86% | -31.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $2.7M | 476 |
| 2024Q4 | $2.9M | 498 |
| 2023Q4 | $3.3M | 508 |
Credit Union Details
- Charter Number
- 9496
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Sp Trainmen runs 2 offices.
| Office | City |
|---|---|
| S. P. Trainmen Federal Credit Union (Main Office) | Houston, TX |
| Disaster Recovery Location | Houston, 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.
Sp Trainmen nationwide neighbourhoods
Two NCUA Call Report peer sets for Sp Trainmen, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (40/100 here).
Using this data
- Sp Trainmen ranks #4,339 of 4,374 nationally on financial health and #385 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jafari No-Interest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jafari No-Interest
- 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 Sp Trainmen financially healthy?
Sp Trainmen scores 40/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,339 of 4,374; by total assets it ranks #4,076 of 4,374 nationally (same basis as /rankings/largest); and #370 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.99% net worth ratio and a 5.07% delinquency rate.
How does Sp Trainmen compare to other credit unions?
Five weighted metrics from NCUA filings produce Sp Trainmen's 40/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Sp Trainmen?
Sp Trainmen 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 Sp Trainmen directly for the exact boundaries and application steps.
Is my money safe at Sp Trainmen?
Federal credit unions like Sp Trainmen 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. Sp Trainmen's net worth ratio of 9.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sp Trainmen offer compared to banks?
Credit unions like Sp Trainmen 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 Sp Trainmen 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.