50 institutions reported negative net worth in Q4 2025. COPPER & GLASS in PA led the group with net worth of -53.8%, followed by PEOPLE TRUST COMMUNITY in AR at -20.9% and TEAMSTERS LOCAL 92 in OH at -17.4%.

Net Worth Distress

Sorted by net_worth_ratio_pct ↑

Export CSV (Mastermind)

Rank	Institution	Source	State	net_worth_ratio_pct
1	COPPER & GLASS	CU	PA	-5377.0%
2	PEOPLE TRUST COMMUNITY	CU	AR	-2090.0%
3	TEAMSTERS LOCAL 92	CU	OH	-1742.0%
4	NOTEWORTHY	CU	OH	92.0%
5	LION'S SHARE	CU	NC	353.0%
6	HAXTUN COMMUNITY	CU	CO	359.0%
7	WEDEVELOPMENT	CU	MO	373.0%
8	CITIZENS CHOICE	CU	MS	393.0%
9	TUSKEGEE	CU	AL	403.0%
10	HUD	CU	DC	425.0%
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	net_worth_ratio_pct	Trend
11	WEST MONROE	CU	LA	████	████
12	ALAMO CITY	CU	TX	████	████
13	GREATER NEVADA	CU	NV	████	████
14	UNITY OF EATONVILLE	CU	FL	████	████
15	NORTH BAY	CU	CA	████	████
16	GP	CU	GA	████	████
17	ANCO COMMUNITY	CU	IL	████	████
18	SORG BAY WEST	CU	OH	████	████
19	BYKOTA	CU	NY	████	████
20	LOUISIANA CENTRAL	CU	LA	████	████
21	BROCKPORT	CU	NY	████	████
22	CHULA VISTA CITY EMPLOYEES	CU	CA	████	████
23	OLATHE	CU	CO	████	████
24	CONNECTS	CU	VA	████	████
25	RED OAK	CU	AL	████	████
26	SOARION	CU	TX	████	████
27	TEAMSTERS LOCAL #238	CU	IA	████	████
28	TRUE SKY	CU	OK	████	████
29	ST. PATRICK'S PARISH	CU	VT	████	████
30	IRON WORKERS	CU	PA	████	████
31	NASSAU FINANCIAL	CU	NY	████	████
32	MOUNTAIN RIVER	CU	CO	████	████
33	LA TERRE	CU	LA	████	████
34	MORNING STAR	CU	OK	████	████
35	BOX BUTTE PUBLIC EMPLOYEES	CU	NE	████	████
36	GULF COAST	CU	AL	████	████
37	COGIC	CU	LA	████	████
38	SUPERIOR CREDIT UNION	CU	PA	████	████
39	TRANSFIGURATION PARISH	CU	NY	████	████
40	ARAPAHOE	CU	CO	████	████
41	SOLUTIONS FIRST	CU	AL	████	████
42	SOUND	CU	CT	████	████
43	DEPARTMENT OF COMMERCE	CU	DC	████	████
44	DEMOCRACY	CU	VA	████	████
45	N Y TEAM	CU	NY	████	████
46	OAK CLIFF CHRISTIAN	CU	TX	████	████
47	ST. LOUIS NEWSPAPER CARRIERS	CU	MO	████	████
48	PRESCOTT	CU	AZ	████	████
49	UNITED POLES	CU	NJ	████	████
50	ARKANSAS AM & N COLLEGE	CU	AR	████	████

Methodology

We rank credit unions whose net worth ratio falls below the 7% well-capitalized threshold (thresholds.maxNetWorth = 7.0, stored in PERCENT units — i.e. 11.36 for an 11.36% NWR — in call_report_cu_specifics.net_worth_ratio_pct after normalize-ncua.js divides the raw ACCT_998 hundredths-of-percent value by 100). The 7% well-capitalized line and the 6% adequately-capitalized floor are the NCUA Prompt Corrective Action (PCA) tier triggers under 12 CFR §702 — credit unions below 7% face earnings-retention requirements, and credit unions below 6% are classified undercapitalized with escalating supervisory restrictions. Sorted ascending by net_worth_ratio_pct so the lowest-capital (most distressed) CUs surface first. Credit unions only (NCUA 5300); banks have a distinct Tier 1 leverage / risk-based capital framework reported separately.

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