Federal credit union · Omaha, Nebraska · NCUA charter #24753
Four Points
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $188.0M
- Total assets
- 9,706
- Members
- 7.1%
- Net-worth ratio
Four Points scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.0M; members 9,706; net-worth ratio 7.14%; health rank #3,565 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,565 of 4,374 health · 2025Q4Four Points · health 71/100 · $188.0M · 2025Q4
- RANK 71/100
- PHOTO 7.1%
- BOOK 1.24%
- CHARTER -0.81%
- NCUSIF $188.0M
- CAMELS 9,706
- HEALTH #3,565/4,374
- NW Cincinnati Ohio Police
- DELQ 24753
Call Report peers
Four Points in the assets neighbourhood
Four Points's $188.0M assets sit next to Cincinnati Ohio Police ($188.0M) 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.
Four Points 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
71 18th percentile higher than 18% 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
Four Points - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24753, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Four Points
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.50 pp (81.70% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -4.97 pp (7.14% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Four Points in Nebraska
- Nebraska health ordinal: #41 of 50.
- By total assets, Four Points is #7 of 50 in Nebraska.
- Member book place in Nebraska: #12 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Four Points
Four Points: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $188.0M (2025Q4) to $184.2M (2026Q1).
- Net-worth ratio shifted -1.89 pp (9.03% → 7.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 22.9 pts
- Delinquency Rate 18.2 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.14% | -4.97 pp |
| Delinquency Rate | 1.24% | +0.35 pp |
| Return on Assets | -0.81% | -1.44 pp |
| Member Growth | 22.95% | - |
| Loan-to-Share Ratio | 81.70% | +9.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $184.2M | - |
| 2025Q4 | $188.0M | 9,706 |
| 2024Q4 | $192.1M | 7,894 |
| 2023Q4 | $190.7M | 8,036 |
Credit Union Details
- Charter Number
- 24753
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Nebraska
- City
- Omaha
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Four Points.
| Office | City |
|---|---|
| Four Points Federal Credit Union (Main Office) | Omaha, NE |
| Four Points Federal Credit Union - West Center | Omaha, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Four Points nationwide neighbourhoods
Two NCUA Call Report peer sets for Four Points, both outside Nebraska so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Four Points ranks #3,565 of 4,374 nationally on financial health and #41 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Nebraska is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Nebraska
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 Four Points financially healthy?
Four Points scores 71/100 (Very Good) 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 #3,565 of 4,374; by total assets it ranks #1,313 of 4,374 nationally (same basis as /rankings/largest); and #7 of 50 within Nebraska. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.14% net worth ratio and a 1.24% delinquency rate.
How does Four Points compare to other credit unions?
Five weighted metrics from NCUA filings produce Four Points's 71/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Four Points?
Four Points 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 Four Points directly for the exact boundaries and application steps.
Is my money safe at Four Points?
Federal credit unions like Four Points 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. Four Points's net worth ratio of 7.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Four Points offer compared to banks?
Credit unions like Four Points 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 Four Points 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.