Federal credit union · Glendale, California · NCUA charter #24238
California Adventist
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $46.9M
- Total assets
- 2,003
- Members
- 19.3%
- Net-worth ratio
California Adventist scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.9M; members 2,003; net-worth ratio 19.31%; health rank #3,238 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,238 of 4,374 health · 2025Q4California Adventist · health 75/100 · $46.9M · 2025Q4
- DELQ 75/100
- ROA 19.3%
- ASSETS 0.01%
- MEM -0.07%
- RANK $46.9M
- PHOTO 2,003
- BOOK #3,238/4,374
- CHARTER Bessemer System
- NCUSIF 24238
Call Report peers
California Adventist in the assets neighbourhood
California Adventist's $46.9M assets sit next to Bessemer System ($46.7M) 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.
California Adventist 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
75 24th percentile higher than 24% 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
California Adventist - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24238 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
California Adventist: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 75.25% here, 59.80% peer average (+15.45 pp).
- Largest lag: Return on Assets at -0.07% vs peer 0.70% (-0.77 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for California Adventist
- California health ordinal: #189 of 243.
- California assets place: #191 of 243.
- Membership ranks #205 of 243 among California CUs with a reported count (2,003 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
California Adventist Call Report trajectory
California Adventist: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $46.9M (2025Q4) to $46.1M (2026Q1).
- Net-worth ratio shifted +0.44 pp (18.87% → 19.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.9 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.31% | +4.45 pp |
| Delinquency Rate | 0.01% | -1.13 pp |
| Return on Assets | -0.07% | -0.77 pp |
| Member Growth | -4.39% | - |
| Loan-to-Share Ratio | 75.25% | +15.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
California Adventist filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.1M | - |
| 2025Q4 | $46.9M | 2,003 |
| 2024Q4 | $44.7M | 2,095 |
| 2023Q4 | $44.2M | 3,280 |
Credit Union Details
- Charter Number
- 24238
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $10M–$50M
- State
- California
- City
- Glendale
- Data Quarter
- 2025Q4
Branch Location
California Adventist operates a single office in Glendale, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| California Adventist FCU (Main Office) | Glendale, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for California Adventist
Cross-state asset and health neighbours for California Adventist - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($46.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- California Adventist ranks #3,238 of 4,374 nationally on financial health and #189 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Catholics is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Catholics
- 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 California Adventist financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, California Adventist carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,238 of 4,374; by total assets it ranks #2,450 of 4,374 nationally (same basis as /rankings/largest); and #191 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.31% net worth ratio and a 0.01% delinquency rate.
How does California Adventist compare to other credit unions?
California Adventist scores 75/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 California Adventist?
California Adventist 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 California Adventist directly for the exact boundaries and application steps.
Is my money safe at California Adventist?
Federal credit unions like California Adventist 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. California Adventist's net worth ratio of 19.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does California Adventist offer compared to banks?
Credit unions like California Adventist 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 California Adventist 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.