Federal credit union · Montebello, California · NCUA charter #4633
Camino
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $178.3M
- Total assets
- 12,606
- Members
- 11.7%
- Net-worth ratio
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.
Camino - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)59
- Earnings (ROA)92
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.74% | 30% |
| Delinquency Rate | 1.70% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | 0.43% | 15% |
| Loan-to-Share Ratio | 87.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Camino
Headquartered in Montebello, California, Camino is a federal credit union with 12,606 members, $178.3M in total assets, and $131.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 11.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #4633 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.70% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 87.50% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.42% on net income of $753K 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 0.43%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.74% 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 11.74% 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.
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.