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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Sp Trainmen sits in 40-44 with 25 others.
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
Peer-gap read for Sp Trainmen
- Largest lag: Loan-to-Share Ratio at 31.86% vs peer 63.60% (-31.74 pp).
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).
- One place up in Texas, Houston Belt & Terminal (#384) scores 45/100, 5 points higher; one place down, Alamo City (#386) scores 37/100, 3 points lower.
Sp Trainmen: 2025Q4 → 2026Q1
Sp Trainmen: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $2.7M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted -0.57 pp (10.56% → 9.99%).
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
Sp Trainmen gives up 60 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Sp Trainmen financially healthy?
Sp Trainmen has a financial health score of 40/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,339 of 4,374 nationally on health and #385 of 386 in Texas. Its net worth ratio is 9.99% and its delinquency rate 5.07%.
How does Sp Trainmen compare to other credit unions?
Sp Trainmen scores 40/100, higher than 1% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (31.86% vs 63.60%).
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?
Sp Trainmen is a federal 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. Sp Trainmen's net worth ratio of 9.99% 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.