Federal credit union · LONGVIEW, Washington · NCUA charter #4509
PUD
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $9.6M
- Total assets
- 738
- Members
- 15.2%
- Net-worth ratio
PUD scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.6M; members 738; net-worth ratio 15.16%; health rank #1,776 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,776 of 4,374 health · 2025Q4PUD · health 86/100 · $9.6M · 2025Q4
Call Report peers
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PUD vs every NCUA-scored credit union
PUD sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
PUD vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Largest lag: Net Worth Ratio at 15.16% vs peer 19.06% (-3.90 pp).
PUD: in-state Call Report ranks
- Health composite ranks #37 of 75 among scored Washington credit unions.
- By total assets, PUD is #73 of 75 in Washington.
- Member book place in Washington: #73 of 75.
- One place up in Washington, Our Community (#36) scores 87/100, 1 point higher; one place down, SALAL (#38) ties at 86/100.
Quarter path for PUD
PUD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $9.6M (2025Q4) to $9.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (15.08% → 15.16%).
At 15.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
PUD gives up 14 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.8 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 13.3 pts
PUD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.16% | -3.90 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.29% | -0.17 pp |
| Member Growth | -1.73% | - |
| Loan-to-Share Ratio | 64.73% | +1.13 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - PUD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.6M | - |
| 2025Q4 | $9.6M | 738 |
| 2024Q4 | $10.2M | 751 |
| 2023Q4 | $9.1M | 746 |
Credit Union Details
- Charter Number
- 4509
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Washington
- City
- LONGVIEW
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, PUD runs one office.
| Office | City |
|---|---|
| PUD Federal Credit Union (Main Office) | Longview, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for PUD
Similar health score
Using this data
- PUD ranks #1,776 of 4,374 nationally on financial health and #37 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LONGSHORE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LONGSHORE
Frequently Asked Questions
Is PUD financially healthy?
PUD has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,776 of 4,374 nationally on health and #37 of 75 in Washington. Its net worth ratio is 15.16% and its delinquency rate 0.00%.
How does PUD compare to other credit unions?
PUD scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is net worth ratio (15.16% vs 19.06%).
How can I join PUD?
PUD 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 PUD directly for the exact boundaries and application steps.
Is my money safe at PUD?
PUD 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. PUD's net worth ratio of 15.16% 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.