Federal credit union · Ketchikan, Alaska · NCUA charter #15523
TONGASS
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $250.9M
- Total assets
- 14,436
- Members
- 13.0%
- Net-worth ratio
TONGASS scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $250.9M; members 14,436; net-worth ratio 12.96%; health rank #488 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#488 of 4,374 health · 2025Q4TONGASS · health 94/100 · $250.9M · 2025Q4
- BOOK 94/100
- CHARTER 13.0%
- NCUSIF 0.60%
- CAMELS 0.20%
- HEALTH $250.9M
- NW 14,436
- DELQ #488/4,374
- ROA BRIDGE
- ASSETS 15523
Call Report peers
TONGASS in the assets neighbourhood
TONGASS's $250.9M assets sit next to BRIDGE ($250.9M) 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.
TONGASS 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
94 Top 13% higher than 87% 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
TONGASS - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15523 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where TONGASS diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +3.56 pp (75.76% vs 72.20%).
- Largest lag: Return on Assets at 0.20% vs peer 0.62% (-0.42 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TONGASS: in-state Call Report ranks
- Alaska health ordinal: #1 of 9.
- Assets rank #4 of 9 inside Alaska ($250.9M reported).
- Membership ranks #5 of 9 among Alaska CUs with a reported count (14,436 members).
In-state ordinals use the live credit_unions table for AK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TONGASS
TONGASS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $250.9M (2025Q4) to $246.6M (2026Q1).
- Net-worth ratio shifted -0.08 pp (13.04% → 12.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 10.6 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for TONGASS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.96% | +0.85 pp |
| Delinquency Rate | 0.60% | -0.29 pp |
| Return on Assets | 0.20% | -0.42 pp |
| Member Growth | 4.23% | - |
| Loan-to-Share Ratio | 75.76% | +3.56 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).
TONGASS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $246.6M | - |
| 2025Q4 | $250.9M | 14,436 |
| 2024Q4 | $223.5M | 13,850 |
| 2023Q4 | $219.1M | 13,615 |
Credit Union Details
- Charter Number
- 15523
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Alaska
- City
- Ketchikan
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, TONGASS runs 13 offices in 12 different cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Ketchikan, AK |
| Haines Branch | Haines, AK |
| Hoonah Microsite | Hoonah, AK |
| Hydaburg Microsite | Hydaburg, AK |
| Juneau Branch | Juneau, AK |
| Kake Microsite | Kake, AK |
| Loan Center | Ketchikan, AK |
| Klawock Branch | Klawock, AK |
| Metlakatla Branch | Metlakatla, AK |
| Petersburg Branch | Petersburg, AK |
| Sitka Branch | Sitka, AK |
| Thorne Bay Branch | Thorne Bay, AK |
| Wrangell Branch | Wrangell, AK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alaska
More federally-insured credit unions based in Alaska, ordered by peer group match and asset size.
Other-state peers near TONGASS
Cross-state asset and health neighbours for TONGASS - kept outside Alaska; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($250.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- TONGASS ranks #488 of 4,374 nationally on financial health and #1 of 9 in AK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- True North is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with True North
- Rates and health both vary by institution, not just by state -- see how Alaska credit unions compare overall before assuming this one is typical. Alaska 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 TONGASS financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - TONGASS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #488 of 4,374; by total assets it ranks #1,139 of 4,374 nationally (same basis as /rankings/largest); and #4 of 9 within Alaska. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.96% net worth ratio and 0.60% delinquency rate are the key drivers.
How does TONGASS compare to other credit unions?
Five weighted metrics from NCUA filings produce TONGASS's 94/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 TONGASS?
TONGASS 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 TONGASS directly for the exact boundaries and application steps.
Is my money safe at TONGASS?
Federal credit unions like TONGASS 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. TONGASS's net worth ratio of 12.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TONGASS offer compared to banks?
Credit unions like TONGASS 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 TONGASS 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.