Federal credit union · LAS VEGAS, Nevada · NCUA charter #86756
Plus
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $128.9M
- Total assets
- 8,696
- Members
- 5.9%
- Net-worth ratio
Plus - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #86756 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Plus - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)49
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)67
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.85% 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 | 5.85% | 30% |
| Delinquency Rate | 0.15% | 25% |
| Return on Assets | 0.71% | 15% |
| Member Growth | 0.14% | 15% |
| Loan-to-Share Ratio | 45.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $128.9M | 8,696 |
| 2024Q4 | $123.8M | 8,684 |
| 2023Q4 | $119.0M | 8,988 |
Credit Union Details
- Charter Number
- 86756
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Nevada
- City
- LAS VEGAS
- Data Quarter
- 2025Q4
What This Data Says About Plus
Charter #86756, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Plus, a federal credit union in LAS VEGAS, Nevada with 8,696 members, $128.9M in total assets, and $51.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 74/100 (Very Good), helped by a net worth ratio of 5.85% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.15% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 45.04% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.71% on net income of $913K 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 0.14%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Plus financially healthy?
Plus scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 5.85% net worth ratio and a 0.15% delinquency rate.
How does Plus compare to other credit unions?
74/100 is Plus's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Plus?
Membership eligibility for Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Plus directly for current membership requirements and application steps.
Is my money safe at Plus?
Federal credit unions like Plus 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. Plus's net worth ratio of 5.85% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Plus offer compared to banks?
Credit unions like Plus 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 Plus 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.