State credit union · Sacramento, California · NCUA charter #68321
California Community
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $79.1M
- Total assets
- 4,160
- Members
- 12.5%
- Net-worth ratio
California Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68321. See our deposit-insurance coverage note.
California Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth16
- Liquidity (loan-to-share)66
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.48% | 30% |
| Delinquency Rate | 0.43% | 25% |
| Return on Assets | 0.52% | 15% |
| Member Growth | -3.66% | 15% |
| Loan-to-Share Ratio | 43.73% | 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 | $79.1M | 4,160 |
| 2024Q4 | $79.4M | 4,318 |
| 2023Q4 | $77.7M | 4,375 |
Credit Union Details
- Charter Number
- 68321
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Sacramento
- Data Quarter
- 2025Q4
What This Data Says About California Community
Charter #68321, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's California Community, a state credit union in Sacramento, California with 4,160 members, $79.1M in total assets, and $29.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 12.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.43% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 43.73% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.52% on net income of $408K 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 -3.66%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 California Community financially healthy?
A 12.48% net worth ratio and a 0.43% delinquency rate feed into California Community's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does California Community compare to other credit unions?
California Community scores 82/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Community?
Membership eligibility for California Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact California Community directly for current membership requirements and application steps.
Is my money safe at California Community?
Federal credit unions like California Community 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 Community's net worth ratio of 12.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does California Community offer compared to banks?
Credit unions like California Community 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 Community 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.