Federal credit union · Montebello, California · NCUA charter #4633
CAMINO
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $178.3M
- Total assets
- 12,606
- Members
- 12.1%
- Net-worth ratio
CAMINO scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $178.3M; members 12,606; net-worth ratio 12.14%; health rank #2,281 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,281 of 4,374 health · 2025Q4CAMINO · health 83/100 · $178.3M · 2025Q4
- BOOK 83/100
- CHARTER 12.1%
- NCUSIF 1.70%
- CAMELS 0.42%
- HEALTH $178.3M
- NW 12,606
- DELQ #2,281/4,374
- ROA First Financial
- ASSETS 4633
Call Report peers
CAMINO in the assets neighbourhood
CAMINO's $178.3M assets sit next to First Financial ($178.4M) 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.
CAMINO 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
83 46th percentile higher than 46% 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
CAMINO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4633. See our deposit-insurance coverage note.
Where CAMINO diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.30 pp (87.50% vs 72.20%).
- Delinquency Rate trails the peer set - 1.70% here, 0.89% peer average (+0.80 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CAMINO in California
- California health ordinal: #136 of 243.
- Assets rank #124 of 243 inside California ($178.3M reported).
- Membership ranks #114 of 243 among California CUs with a reported count (12,606 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.
CAMINO: 2025Q4 → 2026Q1
CAMINO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $178.3M (2025Q4) to $179.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.21% → 12.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.8 pts
- Return on Assets 13.8 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for CAMINO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.14% | +0.03 pp |
| Delinquency Rate | 1.70% | +0.80 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | 0.43% | - |
| Loan-to-Share Ratio | 87.50% | +15.30 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 | $179.2M | - |
| 2025Q4 | $178.3M | 12,606 |
| 2024Q4 | $174.0M | 12,552 |
| 2023Q4 | $181.5M | 12,790 |
Credit Union Details
- Charter Number
- 4633
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Montebello
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CAMINO runs one office.
| Office | City |
|---|---|
| Montebello (Main Office) | Montebello, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for CAMINO, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($178.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- CAMINO ranks #2,281 of 4,374 nationally on financial health and #136 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Joaquin Power Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Joaquin Power Employees
- 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 CAMINO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CAMINO carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,281 of 4,374; by total assets it ranks #1,362 of 4,374 nationally (same basis as /rankings/largest); and #124 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.14% net worth ratio and a 1.70% delinquency rate.
How does CAMINO compare to other credit unions?
On PlainCU's health composite, CAMINO lands at 83/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 CAMINO?
CAMINO 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 CAMINO directly for the exact boundaries and application steps.
Is my money safe at CAMINO?
Federal credit unions like CAMINO 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. CAMINO's net worth ratio of 12.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAMINO offer compared to banks?
Credit unions like CAMINO 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 CAMINO 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.