50 institutions reported negative net worth in Q1 2026. JACKSON AREA in MS led with net worth of -107.9%, followed by PEOPLE TRUST COMMUNITY in AR at -91.1% and COPPER & GLASS in PA at -62.3%.

Net Worth Distress

Sorted by net_worth_ratio_pct ↑

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Rank	Institution	Source	State	net_worth_ratio_pct
1	JACKSON AREA	CU	MS	-10794.0%
2	PEOPLE TRUST COMMUNITY	CU	AR	-9110.0%
3	COPPER & GLASS	CU	PA	-6225.0%
4	WEDEVELOPMENT	CU	MO	-729.0%
5	NOTEWORTHY	CU	OH	23.0%
6	LOUISIANA CENTRAL	CU	LA	32.0%
7	CITIZENS CHOICE	CU	MS	236.0%
8	LION'S SHARE	CU	NC	310.0%
9	GREATER NEVADA	CU	NV	333.0%
10	AFRICAN DIASPORA	CU	MO	386.0%
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	net_worth_ratio_pct	Trend
11	TUSKEGEE	CU	AL	████	████
12	UNITY OF EATONVILLE	CU	FL	████	████
13	HUD	CU	DC	████	████
14	COGIC	CU	LA	████	████
15	YOUNG COMMUNITY	CU	KY	████	████
16	ALAMO CITY	CU	TX	████	████
17	BYKOTA	CU	NY	████	████
18	SORG BAY WEST	CU	OH	████	████
19	BOTHWELL HOSPITAL EMPLOYEES	CU	MO	████	████
20	ANCO COMMUNITY	CU	IL	████	████
21	GEORGIA GUARD	CU	GA	████	████
22	VITELCO EMPLOYEES	CU	VI	████	████
23	BROCKPORT	CU	NY	████	████
24	CONNECTS	CU	VA	████	████
25	HARVARD COMMUNITY	CU	IL	████	████
26	OLATHE	CU	CO	████	████
27	ST. PATRICK'S PARISH	CU	VT	████	████
28	DEPARTMENT OF COMMERCE	CU	DC	████	████
29	GATEWAY METRO	CU	MO	████	████
30	TEAMSTERS LOCAL #238	CU	IA	████	████
31	TRUE SKY	CU	OK	████	████
32	GULF COAST	CU	AL	████	████
33	MORNING STAR	CU	OK	████	████
34	IRON WORKERS	CU	PA	████	████
35	NASSAU FINANCIAL	CU	NY	████	████
36	RED OAK	CU	AL	████	████
37	LA TERRE	CU	LA	████	████
38	TRANSFIGURATION PARISH	CU	NY	████	████
39	PRESCOTT	CU	AZ	████	████
40	SOARION	CU	TX	████	████
41	HALIFAX COUNTY COMMUNITY	CU	VA	████	████
42	ST. LOUIS NEWSPAPER CARRIERS	CU	MO	████	████
43	CIVIC	CU	NC	████	████
44	SOLUTIONS FIRST	CU	AL	████	████
45	DEMOCRACY	CU	VA	████	████
46	N Y TEAM	CU	NY	████	████
47	ARAPAHOE	CU	CO	████	████
48	SUPERIOR CREDIT UNION	CU	PA	████	████
49	VALLEY OAK	CU	CA	████	████
50	LOCAL 20 IBEW	CU	TX	████	████

Methodology

We rank credit unions whose net worth ratio is below the 7% well-capitalized threshold. Ratios are shown in percent: 7.0 means 7%. (NCUA reports net worth ratio, ACCT_998, in hundredths of a percent; we divide by 100.) The 7% well-capitalized line and the 6% adequately-capitalized floor are the NCUA Prompt Corrective Action (PCA) 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 by net worth ratio, lowest first, so the most thinly capitalized credit unions lead the list. Credit unions only (NCUA 5300); banks have a separate Tier 1 leverage and risk-based capital framework.

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