Federal credit union · CHADRON, Nebraska · NCUA charter #13966
CHADRON
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $20.5M
- Total assets
- 2,242
- Members
- 12.8%
- Net-worth ratio
CHADRON scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.5M; members 2,242; net-worth ratio 12.80%; health rank #1,800 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,800 of 4,374 health · 2025Q4CHADRON · health 86/100 · $20.5M · 2025Q4
Call Report peers
CHADRON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHADRON vs every NCUA-scored credit union
CHADRON sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Where CHADRON diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 81.98% vs peer 59.80% (+22.18 pp).
- Net Worth Ratio trails the peer set - 12.80% here, 14.86% peer average (-2.06 pp).
Nebraska standing for CHADRON
- Health composite ranks #18 of 50 among scored Nebraska credit unions.
- By total assets, CHADRON is #32 of 50 in Nebraska.
- Nebraska membership ordinal: #33 of 50.
- One place up in Nebraska, WOODMEN (#17) ties at 86/100; one place down, SIOUXLAND (#19) scores 85/100, 1 point lower.
How CHADRON's 5300 filing moved
CHADRON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $20.5M (2025Q4) to $20.3M (2026Q1).
- Net-worth ratio shifted +0.39 pp (12.41% → 12.80%).
At 12.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
CHADRON gives up 14 points in total. Delinquency Rate costs the most, 7.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.80% | -2.06 pp |
| Delinquency Rate | 1.30% | +0.15 pp |
| Return on Assets | 0.59% | -0.12 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 81.98% | +22.18 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.3M | - |
| 2025Q4 | $20.5M | 2,242 |
| 2024Q4 | $20.0M | 2,246 |
| 2023Q4 | $19.3M | 2,210 |
Credit Union Details
- Charter Number
- 13966
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- CHADRON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CHADRON.
| Office | City |
|---|---|
| Office Location (Main Office) | Chadron, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near CHADRON
Similar total assets
Using this data
- CHADRON ranks #1,800 of 4,374 nationally on financial health and #18 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Union Pacific Streamliner is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Union Pacific Streamliner
Frequently Asked Questions
Is CHADRON financially healthy?
CHADRON has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,800 of 4,374 nationally on health and #18 of 50 in Nebraska. Its net worth ratio is 12.80% and its delinquency rate 1.30%.
How does CHADRON compare to other credit unions?
CHADRON scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.98% vs 59.80%). Its widest shortfall is net worth ratio (12.80% vs 14.86%).
How can I join CHADRON?
CHADRON 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 CHADRON directly for the exact boundaries and application steps.
Is my money safe at CHADRON?
CHADRON 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. CHADRON's net worth ratio of 12.80% 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.