Federal credit union · SACRAMENTO, California · NCUA charter #95071
CAHP
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $391.7M
- Total assets
- 22,578
- Members
- 8.8%
- Net-worth ratio
CAHP scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $391.7M; members 22,578; net-worth ratio 8.76%; health rank #706 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#706 of 4,374 health · 2025Q4CAHP · health 93/100 · $391.7M · 2025Q4
- NCUSIF 93/100
- CAMELS 8.8%
- HEALTH 0.08%
- NW 0.93%
- DELQ $391.7M
- ROA 22,578
- ASSETS #706/4,374
- MEM ALLTRU
- RANK 95071
Call Report peers
CAHP in the assets neighbourhood
CAHP's $391.7M assets sit next to ALLTRU ($392.5M) 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.
CAHP 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
93 Top 16% higher than 84% 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
CAHP - Share Insurance Coverage
Charter #95071's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where CAHP diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 81.17% here, 72.20% peer average (+8.97 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.35 pp (8.76% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CAHP sits in California
- California health ordinal: #48 of 243.
- By total assets, CAHP is #96 of 243 in California.
- California membership ordinal: #97 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 CAHP's 5300 filing moved
CAHP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $391.7M (2025Q4) to $404.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (8.85% → 8.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for CAHP
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.76% | -3.35 pp |
| Delinquency Rate | 0.08% | -0.82 pp |
| Return on Assets | 0.93% | +0.31 pp |
| Member Growth | 1.93% | - |
| Loan-to-Share Ratio | 81.17% | +8.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $404.0M | - |
| 2025Q4 | $391.7M | 22,578 |
| 2024Q4 | $348.3M | 22,150 |
| 2023Q4 | $320.8M | 21,347 |
Credit Union Details
- Charter Number
- 95071
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- SACRAMENTO
- Data Quarter
- 2025Q4
Branch Locations (2)
CAHP operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Sacramento, CA |
| Southern Branch | Rancho Cucamonga, 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.
Other-state peers near CAHP
CAHP's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($391.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- CAHP ranks #706 of 4,374 nationally on financial health and #48 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POPA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POPA
- 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 CAHP financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - CAHP's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #706 of 4,374; by total assets it ranks #882 of 4,374 nationally (same basis as /rankings/largest); and #96 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.76% net worth ratio and 0.08% delinquency rate are the key drivers.
How does CAHP compare to other credit unions?
PlainCU's health composite puts CAHP at 93/100, compared to a peer group average for $100M–$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 CAHP?
Membership eligibility for CAHP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CAHP directly for current membership requirements and application steps.
Is my money safe at CAHP?
Federal credit unions like CAHP 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. CAHP's net worth ratio of 8.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAHP offer compared to banks?
Credit unions like CAHP 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 CAHP 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.