Federal credit union · LAS VEGAS, Nevada · NCUA charter #86756
PLUS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $128.9M
- Total assets
- 8,696
- Members
- 12.4%
- Net-worth ratio
PLUS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $128.9M; members 8,696; net-worth ratio 12.44%; health rank #1,262 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,262 of 4,374 health · 2025Q4PLUS · health 89/100 · $128.9M · 2025Q4
Call Report peers
PLUS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PLUS vs every NCUA-scored credit union
PLUS sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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 PLUS diverges from peer averages
- Delinquency Rate leads the peer set - 0.15% here, 0.89% peer average (-0.74 pp).
- Largest lag: Loan-to-Share Ratio at 45.04% vs peer 72.20% (-27.16 pp).
Where PLUS sits in Nevada
- Health composite ranks #8 of 13 among scored Nevada credit unions.
- Nevada assets place: #11 of 13.
- Membership ranks #11 of 13 among Nevada CUs with a reported count (8,696 members).
- One place up in Nevada, One Nevada (#7) ties at 89/100; one place down, Boulder Dam (#9) scores 87/100, 2 points lower.
Quarter path for PLUS
PLUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.2% from $128.9M (2025Q4) to $126.0M (2026Q1).
- Net-worth ratio shifted +0.39 pp (12.05% → 12.44%).
12.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
PLUS gives up 11 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 9.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.44% | +0.33 pp |
| Delinquency Rate | 0.15% | -0.74 pp |
| Return on Assets | 0.71% | +0.09 pp |
| Member Growth | 0.14% | - |
| Loan-to-Share Ratio | 45.04% | -27.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PLUS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.0M | - |
| 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
Branch Location
PLUS operates a single office in Las Vegas, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Jones (Main Office) | Las Vegas, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
Other federally-insured credit unions in Nevada, closest first by peer group and asset size.
Cross-state Call Report peers for PLUS
Similar total assets
Similar health score
Using this data
- PLUS ranks #1,262 of 4,374 nationally on financial health and #8 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sierra Pacific is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sierra Pacific
Frequently Asked Questions
Is PLUS financially healthy?
PLUS has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,262 of 4,374 nationally on health and #8 of 13 in Nevada. Its net worth ratio is 12.44% and its delinquency rate 0.15%.
How does PLUS compare to other credit unions?
PLUS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.15% vs 0.89%). Its widest shortfall is loan-to-share ratio (45.04% vs 72.20%).
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?
PLUS 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. PLUS's net worth ratio of 12.44% 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.