Federal credit union · SAN PEDRO, California · NCUA charter #10433
Bopti
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $69.7M
- Total assets
- 4,309
- Members
- 22.1%
- Net-worth ratio
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.
Bopti - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)68
- Earnings (ROA)39
- Member growth64
- Liquidity (loan-to-share)65
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 22.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.14% | 30% |
| Delinquency Rate | 1.38% | 25% |
| Return on Assets | 0.03% | 15% |
| Member Growth | 0.54% | 15% |
| Loan-to-Share Ratio | 42.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Bopti
4,309 members and $69.7M in total assets sit behind Bopti, a federal credit union in SAN PEDRO, California, which posts a health score of 72/100 (Very Good) on the five-factor composite, with $22.5M in outstanding loans as of Q4 2025 and a net worth ratio of 22.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #10433 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 1.38% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 42.46% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.03% on net income of $21K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.54%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.14% 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 22.14% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.