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
- NW 89/100
- DELQ 12.4%
- ROA 0.15%
- ASSETS 0.71%
- MEM $128.9M
- RANK 8,696
- PHOTO #1,262/4,374
- BOOK Heritage Valley
- CHARTER 86756
Call Report peers
PLUS in the assets neighbourhood
PLUS's $128.9M assets sit next to Heritage Valley ($128.9M) 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.
PLUS 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
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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for PLUS
PLUS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.2% from $128.9M (2025Q4) to $126.0M (2026Q1).
- Net-worth ratio shifted +0.39 pp (12.05% → 12.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
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).
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
Cross-state asset and health neighbours for PLUS - kept outside Nevada; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($128.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 PLUS financially healthy?
PLUS scores 89/100 (Excellent) 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 #1,262 of 4,374; by total assets it ranks #1,613 of 4,374 nationally (same basis as /rankings/largest); and #11 of 13 within Nevada. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.44% net worth ratio and a 0.15% delinquency rate.
How does PLUS compare to other credit unions?
89/100 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 12.44% exceeds 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.
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.