State credit union · CARSON CITY, Nevada · NCUA charter #68228
Greater Nevada
Health score 34/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 34
- Health / 100
- $1.68B
- Total assets
- 88,408
- Members
- 4.2%
- Net-worth ratio
Greater Nevada - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68228. See our deposit-insurance coverage note.
Greater Nevada - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)35
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth57
- Liquidity (loan-to-share)100
Weighted composite: 34/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.15% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.15% | 30% |
| Delinquency Rate | 4.84% | 25% |
| Return on Assets | -2.21% | 15% |
| Member Growth | -0.29% | 15% |
| Loan-to-Share Ratio | 80.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.68B | 88,408 |
| 2024Q4 | $1.74B | 88,662 |
| 2023Q4 | $1.78B | 88,042 |
Credit Union Details
- Charter Number
- 68228
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Nevada
- City
- CARSON CITY
- Data Quarter
- 2025Q4
What This Data Says About Greater Nevada
88,408 members and $1.68B in total assets sit behind Greater Nevada, a state credit union in CARSON CITY, Nevada, which posts a health score of 34/100 (Weak) on the five-factor composite, with $1.28B in outstanding loans as of Q4 2025 and a net worth ratio of 4.15% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68228 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
4.84% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 80.21% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -2.21% on net income of $-37238836 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.29%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Nevada
Other federally-insured credit unions in Nevada, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Greater Nevada financially healthy?
Greater Nevada has a financial health score of 34/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 4.15% and delinquency rate of 4.84%.
How does Greater Nevada compare to other credit unions?
Greater Nevada scores 34/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Greater Nevada?
Membership eligibility for Greater Nevada depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greater Nevada directly for current membership requirements and application steps.
Is my money safe at Greater Nevada?
Federal credit unions like Greater Nevada 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. Greater Nevada's net worth ratio of 4.15% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Greater Nevada offer compared to banks?
Credit unions like Greater Nevada 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 Greater Nevada directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.