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
Call Report peers
BOPTI in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); BOPTI sits in 70-74 with 317 others.
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
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%).
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.
- One place up in California, Northern Redwood (#198) scores 73/100, 1 point higher; one place down, Vision One (#200) ties at 72/100.
Quarter path for BOPTI
BOPTI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -7.7% from $69.7M (2025Q4) to $64.4M (2026Q1).
- Net-worth ratio shifted +2.05 pp (22.14% → 24.19%).
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
BOPTI gives up 28 points in total. Return on Assets costs the most, 9.1 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is BOPTI financially healthy?
On its 2025Q4 NCUA 5300 filing, BOPTI scores 72/100 (Very Good), with a 24.19% net worth ratio and 1.38% of loans delinquent. It ranks #3,442 of 4,374 nationally on health and #199 of 243 in California.
How does BOPTI compare to other credit unions?
BOPTI scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (24.19% vs 13.62%). Its widest shortfall is loan-to-share ratio (42.46% vs 62.60%).
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?
BOPTI 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. BOPTI's net worth ratio of 24.19% 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.