Federal credit union · Vacaville, California · NCUA charter #11943
Befit Financial
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $39.6M
- Total assets
- 2,407
- Members
- 9.7%
- Net-worth ratio
Befit Financial scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.6M; members 2,407; net-worth ratio 9.69%; health rank #3,773 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,773 of 4,374 health · 2025Q4Befit Financial · health 67/100 · $39.6M · 2025Q4
Call Report peers
Befit Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Befit Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Befit Financial sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Befit Financial vs $10M–$50M peers
- Net Worth Ratio trails the peer set - 9.69% here, 14.86% peer average (-5.17 pp).
Where Befit Financial sits in California
- Health composite ranks #220 of 243 among scored California credit unions.
- Assets rank #193 of 243 inside California ($39.6M reported).
- California membership ordinal: #191 of 243.
- One place up in California, The Police (#219) ties at 67/100; one place down, Center City Community (#221) ties at 67/100.
How Befit Financial's 5300 filing moved
Befit Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $39.6M (2025Q4) to $39.3M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.51% → 9.69%).
9.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
Befit Financial gives up 33 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 0.8.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 16.4 pts
- Return on Assets 9.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.8 pts
Call Report ratios for Befit Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.69% | -5.17 pp |
| Delinquency Rate | 1.48% | +0.33 pp |
| Return on Assets | 0.14% | -0.57 pp |
| Member Growth | -10.05% | - |
| Loan-to-Share Ratio | 56.66% | -3.14 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Befit Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.3M | - |
| 2025Q4 | $39.6M | 2,407 |
| 2024Q4 | $36.9M | 2,676 |
| 2023Q4 | $38.3M | 2,887 |
Credit Union Details
- Charter Number
- 11943
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- Vacaville
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Befit Financial runs one office.
| Office | City |
|---|---|
| Befit Financial Federal Credit Union (Main Office) | Vacaville, 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.
Cross-state Call Report peers for Befit Financial
Using this data
- Befit Financial ranks #3,773 of 4,374 nationally on financial health and #220 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Diablo Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Diablo Valley
Frequently Asked Questions
Is Befit Financial financially healthy?
Befit Financial has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,773 of 4,374 nationally on health and #220 of 243 in California. Its net worth ratio is 9.69% and its delinquency rate 1.48%.
How does Befit Financial compare to other credit unions?
Befit Financial scores 67/100, higher than 13% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.69% vs 14.86%).
How can I join Befit Financial?
Befit Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Befit Financial directly for the exact boundaries and application steps.
Is my money safe at Befit Financial?
Befit Financial is a federal credit union; its shares are federally 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. Befit Financial's net worth ratio of 9.69% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.