# PLUS
Las Vegas, NV · NCUA charter 86756 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/plus-86756

Who the members are: state charter, organized 1952. 8,717 members of 40,000 potential (21.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $126.0M |
| Members | 8,717 (1.5% YoY) |
| Full-time staff | 25 |
| Net worth | $15.7M |
| Net worth ratio | 12.4% (p60 of band) |
| ROA (annualized) | 0.47% (p35 of band) |
| Total delinquency | 0.18% (p13 of band) |
| Net charge-offs (annualized) | 0.02% (p12 of band) |
| Loans / shares | 47% (p14 of band) |
| Cash / assets | 26.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p18 of band) |
| Operating expense / assets | 3.22% (p34 of band) |
| Vehicles % of loans | 34% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 29% (p50 of band) |
| Vehicle delinquency | 0.42% (p41 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.22% (p87 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 18% |
| Average share balance | $6,204 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $17,772 |
| Loans granted, annualized | $14.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | repo signal |  |
| 2017-03 | 3 | net worth falling, delinquency rising, members leaving | repo signal |
| 2017-06 | 2 | repo signal | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | net worth falling | repo signal |
| 2018-06 | 2 | repo signal | net worth falling |
| 2018-09 | 0 |  | members leaving, repo signal |
| 2018-12 | 1 | repo signal |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 0 |  | repo signal, net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | repo signal |  |
| 2021-03 | 3 | losing money | repo signal |
| 2021-06 | 4 | members leaving |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 | delinquency rising | margin squeeze, losing money |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 2 |  | losing money |
| 2022-09 | 2 |  |  |
| 2022-12 | 0 |  | members leaving, delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | members leaving, net worth falling |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2026-05-19 [Create Credit Union Offers 8.30% APY As Consumers Search for Better Savings Returns - Nevada Business Magazine](https://news.google.com/rss/articles/CBMiugFBVV95cUxOLWZzQzVobzVaSXFuTmR0LWhqYWU0Z29senB3NnpVaXpQbkJ2ZnlZd1pkbE1TczNtaWN4SE1nOWNTVjRISE80b1dhblZZb2hsTmlnMFktV3VPSmpjY2c5T2RDWFEtRWQ3NlB1SURPWUlRRE9EWHdVUTJ6U3htanBpLWlFa3IwQWptM3ZsVU8zcHYyMWJsQV9OUjRnbmJvNXVDRjhrYWZ6amRXRDYwTF90Mm9UQXlpNXNQWnc?oc=5) · Nevada Business Magazine
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-05-14 [Brand new gear gifted to broadcasting class from Las Vegas Raiders, Surprise Squad - FOX5 Vegas](https://news.google.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?oc=5) · FOX5 Vegas
- 2026-02-11 [Pandemic-Era Expansion Fed Greater Nevada's Commercial Delinquencies - CUTimes](https://news.google.com/rss/articles/CBMipgFBVV95cUxNS3NaYUNDOHAyVDBSYnlnWk9OeXhwRWJ2cDZoYkFNa0JFOVZ3M1dtRWhoc1pCSlk3MVVLeHd1NlpvVHItVG1KdzA1YjRzbHhnVkVrVVUxY2k1eXdkY1M0NmNlQk52aXNqNncwdk9ZaXhrZXJiQ1BhYkExbXVIMzBMTWxtakRUWUJqNnRrNlNub0VLZmxSa3ZPRkVFaW9hMFYyNmxNQUtn?oc=5) · CUTimes
- 2026-01-26 [Why Healthy Credit Unions Are Choosing To Merge—And Why 2026 Could Break Records - cutoday.info](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOS0lRZFBEdVA3dWdqR3A0WlpMXzFOWXFIQno4QWVGN2RHUnFGazlHREUtRGJRZEJHeXRmOUtSN081cV9HOERiVFI4eTJYTXp6SkI5bHg5TzAyNFZCSUhpeWcxbHZ4Z2dVWXREalZXZDJXOUZIQlRPZ2pORkx4RWYzeWx5Q25xckphMm8zU1RmRVc4V1JJbnN4NEdSUjVfejJIRHkyY2JmeHFRd0huQjRrcjNfejRVSjRk?oc=5) · cutoday.info
- 2026-04-30 [What About Market Saturation? Can Las Vegas Support Raiders, VGK, Aces — Plus A’s, NBA, Possible MLS? Soccer Team Proposal For Las Vegas Submitted To MLS - LVSportsBiz](https://news.google.com/rss/articles/CBMijAJBVV95cUxQYXRUUGVXT0l3S0x1ZmE1Sk5oUTJfanE5U1RvZ0FKSmpwb2R5ejk3OEhFSFRLNDdLWUNYTGFtMWVZckJjandxMURBQmNQWWpiRjdLaG1NMEk2WTRHQnZOanVaRklnWkFDUTVNOXNpRmlld1JoV2JtS1JpV0hnSmpvTEFZTUljSU41NXNFa3NnWGIxdmdPMGViV1c2emNtcnRpUWJURXphcHFfNXVUTU5vZ2dnWThuZG9qTVNUTGQySWtDczN5NVg5MXdXQng1emRBWU9WOG16X182VTJMOTgyMlhlallqbjdVLS1UUDVSTFIxMFY0LS1nS1cwdmVLRHhQTGtlWEloVjhvSE1E0gGSAkFVX3lxTE94ODgtenRVc05SZk0wX3ozeEx6S3hEOUh0T3VBd1lPendaRkJqMjFCYndaZHZkQUFfek9SNWtPQkpaLUkyMk0taXRtUm1IYzZncHVnelc3Rjl3bk5Bb0pueUFpYWVvMUttNEVEZ1JVSFRnSWVIMGI0NF9yZ0hrNFRpOU94T1N5NUtlM3lteHd0QXNKdjNueXYwYW1qa215bkxhOWU5dDZSb2xoYm81UVlNaWU3V0xDUWtHYVEtUjFYRW5CdW42dXY3bUpZbW04TUFGbUdaX2ZUVzZfUUQ0ZERhTGt1aFpHUWdoWElFendwZnp1V3NDb0EwVU4xTEFxZkdqbDRaTENtTTFIeWtMSDFfMUE?oc=5) · LVSportsBiz
- 2026-05-14 [BRAND NEW gear gifted to broadcasting class from Las Vegas Raiders, Surprise Squad - FOX5 Vegas](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPMzdSSGx5OTByT2JyMVdxd1R3aW1nblVJNUNtOTRjU1ZXWXpqc1REaTBLQzdBLWhJazNQcmpkSlJCM2FoNlRwTGpJQ19FV3BOSVN2azJrNGpDeUVJUjlCLXhrM0l6aUFSaUgxWFRWcWxHMGhWNWloNlo2MFR3X3hNNm9jSkJfdGdLdmJLcW9EUV9ZcEZxUVBDR24tTW0tV2hXZ2JUQkpyOHBVbnpmX2NYUXVWd3Nycy0x?oc=5) · FOX5 Vegas

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=86756 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/36.json (key "86756", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=86756
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide