WASHINGTON-Much can be said about credit unions and their net worth. Some say credit unions, as cooperatives, are just playing it safe with high levels of net worth. Credit unions are required to have 7% net worth before they get into trouble with Prompt Corrective Action, yet the industry average is just below 11%, according to Callahan & Associates. Others argue that the members are not getting as much bang for their buck as they could. Credit unions with higher net worth are generally strong institutions. Credit unions that are well capitalized (like these and most others) will be even more well capitalized under the proposed risk-based PCA framework found in the Credit Union Regulatory Improvements Act (H.R. 2317). A few will not be as well off. Below are the top 50 credit unions according to their net worth ratios.