TellerScore

Primetrust Financial Federal Credit Union (NCUA charter #489) is based in Muncie, Indiana. Its Q2 2026 call report shows $272.9M in total assets and $243.1M in member shares and deposits and 4 offices.

Primetrust Financial Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 82nd. Problem-loan coverage contributes the most (88/100, 6.1%); capital cushion contributes the least (54/100, 10.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.37%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity79/100
Loans ÷ shares: 81.4% · 4.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (74 → 66), mostly because the loan quality component weakened by 20 points.

TellerScore
556574Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202464
Q4 202455
Q1 202566
Q2 202574
Q3 202572
Q4 202570
Q1 202670
Q2 202666
Net worth ratio
7.00%8.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.12%
Q3 20249.73%
Q4 20249.97%
Q1 20259.84%
Q2 202510.30%
Q3 202510.52%
Q4 202510.12%
Q1 202610.04%
Q2 202610.37%
Delinquent loans (60+ days)
0.26%0.93%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.60%
Q4 20241.61%
Q1 20250.43%
Q2 20250.26%
Q3 20250.39%
Q4 20250.35%
Q1 20260.36%
Q2 20260.88%
Return on assets
0.33%0.83%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.51%
Q4 20240.56%
Q1 20250.56%
Q2 20251.34%
Q3 20251.17%
Q4 20250.98%
Q1 20260.99%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$272.9M10.37%0.88%0.91%81.4%
Q1 202670$265.2M10.04%0.36%0.99%81.3%
Q4 202570$257.2M10.12%0.35%0.98%85.3%
Q3 202572$244.0M10.52%0.39%1.17%89.3%
Q2 202574$244.2M10.30%0.26%1.34%86.1%
Q1 202566$245.2M9.84%0.43%0.56%80.0%
Q4 202455$238.6M9.97%1.61%0.56%77.9%
Q3 202464$240.3M9.73%0.60%0.51%76.3%
Q2 202460$236.3M9.12%0.59%0.33%76.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.37%
35th
Problem loans0.88%
37th
Net charge-offs0.24%
65th
Return on assets0.91%
61st
Loans to deposits81.4%
37th
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Encompass Federal Credit UnionCredit union Tipton, IN52 out of 100, Below average$240.7M9.4%1.60%vs
U S #1364 Federal Credit UnionCredit union Merrillville, IN76 out of 100, Strong$222.4M13.6%1.12%vs
Summit Choice Federal Credit UnionCredit union Fort Wayne, IN72 out of 100, Strong$206.6M12.6%0.66%vs
Solidarity Community Federal Credit UnionCredit union Kokomo, IN76 out of 100, Strong$351.1M12.4%0.47%vs
First Trust Credit UnionCredit union Michigan City, IN63 out of 100, Moderate$191.6M13.4%3.08%vs
Industrial Federal Credit UnionCredit union Lafayette, IN71 out of 100, Strong$356.1M9.2%0.41%vs

Deposit insurance

Is my money safe at Primetrust Financial Federal Credit Union?

Yes. Primetrust Financial Federal Credit Union is a federally insured credit union (NCUA charter #489). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.0% of shares and deposits ($9.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Primetrust Financial Federal Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Primetrust Financial Federal Credit Union reported 88 home-loan applications under HMDA (LEI 254900HUD7SD8U5L3C11): 65 originated ($3,745,000 total), 16 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Primetrust Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
489
RSSD ID
969871
Primary regulator
NCUA
Established
1935
Headquarters
3700 W Bethel Ave, Muncie, IN 47304
Employees
82

Quick answers

Primetrust Financial Federal Credit Union: common questions

Is Primetrust Financial Federal Credit Union NCUA insured?

Yes. Primetrust Financial Federal Credit Union is a federally insured credit union (NCUA charter #489). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Primetrust Financial Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Primetrust Financial Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Muncie

InstitutionScoreAssetsCapitalProblem loansCompare
Crossroads Financial Federal Credit UnionCredit union Portland, IN100 out of 100, Very strong$102.4M15.1%0.05%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Riverside Community Federal Credit UnionCredit union Marion, IN79 out of 100, Strong$59.6M14.7%1.13%vs
Via Credit UnionCredit union Marion, IN76 out of 100, Strong$604.4M13.2%0.62%vs
Indiana Members Credit UnionCredit union Indianapolis, IN74 out of 100, Strong$3.6B10.6%0.49%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs