50 institutions reported negative net worth in Q2 2026. JACKSON AREA in MS posted the lowest capital position at -145.4%, followed by HOBART IND SCHOOL EMPLOYEES in IN at -34.8% and HERITAGE HUB in TX at -15.8%.

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	-14536.0%
2	HOBART IND SCHOOL EMPLOYEES	CU	IN	-3484.0%
3	HERITAGE HUB	CU	TX	-1582.0%
4	WEDEVELOPMENT	CU	MO	-1166.0%
5	AFRICAN DIASPORA	CU	MO	-228.0%
6	CITIZENS CHOICE	CU	MS	-68.0%
7	LOUISIANA CENTRAL	CU	LA	-11.0%
8	SOLUTIONS FIRST	CU	AL	193.0%
9	UNITY OF EATONVILLE	CU	FL	314.0%
10	LION'S SHARE	CU	NC	323.0%
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	GREATER NEVADA	CU	NV	████	████
12	BOTHWELL HOSPITAL EMPLOYEES	CU	MO	████	████
13	FOUR POINTS	CU	NE	████	████
14	TUSKEGEE	CU	AL	████	████
15	COGIC	CU	LA	████	████
16	BROCKPORT	CU	NY	████	████
17	ANCO COMMUNITY	CU	IL	████	████
18	SORG BAY WEST	CU	OH	████	████
19	OLATHE	CU	CO	████	████
20	VITELCO EMPLOYEES	CU	VI	████	████
21	ALAMO CITY	CU	TX	████	████
22	CONNECTS	CU	VA	████	████
23	DEPARTMENT OF COMMERCE	CU	DC	████	████
24	MORNING STAR	CU	OK	████	████
25	RED OAK	CU	AL	████	████
26	CIVIC	CU	NC	████	████
27	TEAMSTERS LOCAL #238	CU	IA	████	████
28	GULF COAST	CU	AL	████	████
29	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	████	████
30	LOCAL 20 IBEW	CU	TX	████	████
31	IRON WORKERS	CU	PA	████	████
32	CAPE	CU	WV	████	████
33	PRESCOTT	CU	AZ	████	████
34	BYKOTA	CU	NY	████	████
35	NASSAU FINANCIAL	CU	NY	████	████
36	HALIFAX COUNTY COMMUNITY	CU	VA	████	████
37	TRUE SKY	CU	OK	████	████
38	HARVARD COMMUNITY	CU	IL	████	████
39	ST. LOUIS NEWSPAPER CARRIERS	CU	MO	████	████
40	DEMOCRACY	CU	VA	████	████
41	TRANSFIGURATION PARISH	CU	NY	████	████
42	LA TERRE	CU	LA	████	████
43	TULANE/LOYOLA	CU	LA	████	████
44	SOARION	CU	TX	████	████
45	EDU	CU	DE	████	████
46	VALLEY OAK	CU	CA	████	████
47	EXCITE	CU	CA	████	████
48	TULARE COUNTY	CU	CA	████	████
49	UNITED POLES	CU	NJ	████	████
50	HAMILTON HORIZONS	CU	NJ	████	████

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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