Federal credit union · SAN PEDRO, California · NCUA charter #10433
BOPTI
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $69.7M
- Total assets
- 4,309
- Members
- 24.2%
- Net-worth ratio
BOPTI scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.7M; members 4,309; net-worth ratio 24.19%; health rank #3,442 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,442 of 4,374 health · 2025Q4BOPTI · health 72/100 · $69.7M · 2025Q4
- HEALTH 72/100
- NW 24.2%
- DELQ 1.38%
- ROA 0.03%
- ASSETS $69.7M
- MEM 4,309
- RANK #3,442/4,374
- PHOTO Kh Credit Union, Inc.
- BOOK 10433
Call Report peers
BOPTI in the assets neighbourhood
BOPTI's $69.7M assets sit next to Kh Credit Union, Inc. ($69.7M) 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.
BOPTI 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
72 20th percentile higher than 20% 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
BOPTI - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10433: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where BOPTI diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 24.19% vs peer 13.62% (+10.57 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.14 pp (42.46% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for BOPTI
- In California, health place is #199 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, BOPTI is #173 of 243 in California.
- Member book place in California: #164 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.
Quarter path for BOPTI
BOPTI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -7.7% from $69.7M (2025Q4) to $64.4M (2026Q1).
- Net-worth ratio shifted +2.05 pp (22.14% → 24.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 5.9 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 9.4 pts
BOPTI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.19% | +10.57 pp |
| Delinquency Rate | 1.38% | +0.42 pp |
| Return on Assets | 0.03% | -0.63 pp |
| Member Growth | 0.54% | - |
| Loan-to-Share Ratio | 42.46% | -20.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - BOPTI
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.4M | - |
| 2025Q4 | $69.7M | 4,309 |
| 2024Q4 | $73.6M | 4,286 |
| 2023Q4 | $75.1M | 4,142 |
Credit Union Details
- Charter Number
- 10433
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- California
- City
- SAN PEDRO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for BOPTI, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | San Pedro, CA |
| Filekeepers | Commerce, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for BOPTI
Cross-state asset and health neighbours for BOPTI - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($69.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- BOPTI ranks #3,442 of 4,374 nationally on financial health and #199 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PARISHIONERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PARISHIONERS
- 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 BOPTI financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, BOPTI carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,442 of 4,374; by total assets it ranks #2,140 of 4,374 nationally (same basis as /rankings/largest); and #173 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 24.19% net worth ratio and a 1.38% delinquency rate.
How does BOPTI compare to other credit unions?
72/100 is BOPTI's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 BOPTI?
BOPTI carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact BOPTI directly to confirm current membership steps.
Is my money safe at BOPTI?
Federal credit unions like BOPTI 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. BOPTI's net worth ratio of 24.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BOPTI offer compared to banks?
Credit unions like BOPTI 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 BOPTI 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.