Federal credit union · FALLON, Nevada · NCUA charter #11824
Churchill County
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $74.9M
- Total assets
- 2,996
- Members
- 20.5%
- Net-worth ratio
Churchill County scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74.9M; members 2,996; net-worth ratio 20.46%; health rank #3,232 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,232 of 4,374 health · 2025Q4Churchill County · health 75/100 · $74.9M · 2025Q4
- ASSETS 75/100
- MEM 20.5%
- RANK 1.41%
- PHOTO 1.14%
- BOOK $74.9M
- CHARTER 2,996
- NCUSIF #3,232/4,374
- CAMELS Blair County
- HEALTH 11824
Call Report peers
Churchill County in the assets neighbourhood
Churchill County's $74.9M assets sit next to Blair County ($74.9M) 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.
Churchill County 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
75 24th percentile higher than 24% 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
Churchill County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11824. See our deposit-insurance coverage note.
Peer-gap read for Churchill County
- Net Worth Ratio leads the peer set - 20.46% here, 13.62% peer average (+6.84 pp).
- Loan-to-Share Ratio trails the peer set - 45.91% here, 62.60% peer average (-16.69 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Churchill County in Nevada
- Health composite ranks #12 of 13 among scored Nevada credit unions.
- Assets rank #12 of 13 inside Nevada ($74.9M reported).
- Member book place in Nevada: #12 of 13.
In-state ordinals use the live credit_unions table for NV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Churchill County: 2025Q4 → 2026Q1
Churchill County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $74.9M (2025Q4) to $76.1M (2026Q1).
- Net-worth ratio shifted +0.08 pp (20.38% → 20.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.9 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 10.0 pts
Churchill County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.46% | +6.84 pp |
| Delinquency Rate | 1.41% | +0.45 pp |
| Return on Assets | 1.14% | +0.48 pp |
| Member Growth | -3.29% | - |
| Loan-to-Share Ratio | 45.91% | -16.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Churchill County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.1M | - |
| 2025Q4 | $74.9M | 2,996 |
| 2024Q4 | $70.5M | 3,098 |
| 2023Q4 | $70.1M | 3,189 |
Credit Union Details
- Charter Number
- 11824
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Nevada
- City
- FALLON
- Data Quarter
- 2025Q4
Branch Location
Churchill County operates a single office in Fallon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Churchill County Federal Credit Union (Main Office) | Fallon, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
More federally-insured credit unions based in Nevada, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Churchill County - kept outside Nevada; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($74.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Churchill County ranks #3,232 of 4,374 nationally on financial health and #12 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pahranagat Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pahranagat Valley
- Rates and health both vary by institution, not just by state -- see how Nevada credit unions compare overall before assuming this one is typical. Nevada 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 Churchill County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Churchill County carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,232 of 4,374; by total assets it ranks #2,074 of 4,374 nationally (same basis as /rankings/largest); and #12 of 13 within Nevada. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.46% net worth ratio and a 1.41% delinquency rate.
How does Churchill County compare to other credit unions?
75/100 is Churchill County's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Churchill County?
Churchill County serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Churchill County directly for the current list of qualifying groups.
Is my money safe at Churchill County?
Federal credit unions like Churchill County 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. Churchill County's net worth ratio of 20.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Churchill County offer compared to banks?
Credit unions like Churchill County 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 Churchill County 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.