State credit union · Buena Park, California · NCUA charter #68052
Center City Community
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $24.9M
- Total assets
- 2,814
- Members
- 9.2%
- Net-worth ratio
Center City Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68052. See our deposit-insurance coverage note.
Center City Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)100
- Earnings (ROA)11
- Member growth0
- Liquidity (loan-to-share)83
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.21% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.31% | 15% |
| Member Growth | -6.60% | 15% |
| Loan-to-Share Ratio | 58.70% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $24.9M | 2,814 |
| 2024Q4 | $26.3M | 3,013 |
| 2023Q4 | $25.8M | 3,479 |
Credit Union Details
- Charter Number
- 68052
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- Buena Park
- Data Quarter
- 2025Q4
What This Data Says About Center City Community
Headquartered in Buena Park, California, Center City Community is a state credit union with 2,814 members, $24.9M in total assets, and $12.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 67/100 (Good), driven in part by a net worth ratio of 9.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68052 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 58.70% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.31% on net income of $-77481 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 -6.60%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 Center City Community financially healthy?
Center City Community scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.21% net worth ratio and a 0.00% delinquency rate.
How does Center City Community compare to other credit unions?
On PlainCU's health composite, Center City Community lands at 67/100, compared to a peer group average for $10M–$50M 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 Center City Community?
Membership eligibility for Center City Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Center City Community directly for current membership requirements and application steps.
Is my money safe at Center City Community?
Federal credit unions like Center City 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. Center City Community's net worth ratio of 9.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Center City Community offer compared to banks?
Credit unions like Center City 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 Center City 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.