State credit union · Glendora, California · NCUA charter #68062
America's Christian
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $801.7M
- Total assets
- 145,199
- Members
- 9.1%
- Net-worth ratio
America's Christian scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $801.7M; members 145,199; net-worth ratio 9.08%; health rank #1,720 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,720 of 4,374 health · 2025Q4America's Christian · health 87/100 · $801.7M · 2025Q4
- BOOK 87/100
- CHARTER 9.1%
- NCUSIF 1.60%
- CAMELS 0.43%
- HEALTH $801.7M
- NW 145,199
- DELQ #1,720/4,374
- ROA PELICAN
- ASSETS 68062
Call Report peers
America's Christian in the assets neighbourhood
America's Christian's $801.7M assets sit next to PELICAN ($800.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
America's Christian vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
America's Christian - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68062. See our deposit-insurance coverage note.
America's Christian vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.78% vs peer 83.90% (+1.88 pp).
- Net Worth Ratio trails the peer set - 9.08% here, 11.18% peer average (-2.10 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
America's Christian: in-state Call Report ranks
- California health ordinal: #99 of 243.
- Assets rank #77 of 243 inside California ($801.7M reported).
- California membership ordinal: #23 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How America's Christian's 5300 filing moved
America's Christian: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $801.7M (2025Q4) to $818.4M (2026Q1).
- Net-worth ratio shifted -0.23 pp (9.31% → 9.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 15.5 pts
- Return on Assets 13.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
America's Christian vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.08% | -2.10 pp |
| Delinquency Rate | 1.60% | +0.73 pp |
| Return on Assets | 0.43% | -0.08 pp |
| Member Growth | 79.45% | - |
| Loan-to-Share Ratio | 85.78% | +1.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
America's Christian quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $818.4M | - |
| 2025Q4 | $801.7M | 145,199 |
| 2024Q4 | $688.8M | 80,912 |
| 2023Q4 | $643.3M | 74,332 |
Credit Union Details
- Charter Number
- 68062
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Glendora
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for America's Christian.
| Office | City |
|---|---|
| America's Christian Credit Union (Main Office) | Glendora, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near America's Christian
Cross-state asset and health neighbours for America's Christian - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($801.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- America's Christian ranks #1,720 of 4,374 nationally on financial health and #99 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st Northern California is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st Northern California
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is America's Christian financially healthy?
America's Christian scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,720 of 4,374; by total assets it ranks #554 of 4,374 nationally (same basis as /rankings/largest); and #77 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.08% net worth ratio and a 1.60% delinquency rate.
How does America's Christian compare to other credit unions?
PlainCU's health composite puts America's Christian at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join America's Christian?
Membership eligibility for America's Christian depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact America's Christian directly for current membership requirements and application steps.
Is my money safe at America's Christian?
Federal credit unions like America's Christian are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. America's Christian's net worth ratio of 9.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does America's Christian offer compared to banks?
Credit unions like America's Christian are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact America's Christian directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.