State credit union · Stockton, California · NCUA charter #60363
Central State
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $228.8M
- Total assets
- 14,357
- Members
- 9.0%
- Net-worth ratio
Central State scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $228.8M; members 14,357; net-worth ratio 8.97%; health rank #3,611 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,611 of 4,374 health · 2025Q4Central State · health 70/100 · $228.8M · 2025Q4
Call Report peers
Central State in the assets neighbourhood
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Central State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Central State sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Central State diverges from peer averages
- Delinquency Rate leads the peer set - 0.27% here, 0.89% peer average (-0.63 pp).
- Loan-to-Share Ratio trails the peer set - 30.53% here, 72.20% peer average (-41.67 pp).
California standing for Central State
- Health composite ranks #209 of 243 among scored California credit unions.
- Assets rank #115 of 243 inside California ($228.8M reported).
- California membership ordinal: #111 of 243.
- One place up in California, POLAM (#208) ties at 70/100; one place down, BLUPEAK (#210) scores 69/100, 1 point lower.
Quarter path for Central State
Central State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +11.5% from $228.8M (2025Q4) to $255.2M (2026Q1).
- Net-worth ratio shifted -1.04 pp (10.01% → 8.97%).
This credit union's 8.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Central State gives up 30 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.5 pts
Call Report ratios for Central State
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.97% | -3.14 pp |
| Delinquency Rate | 0.27% | -0.63 pp |
| Return on Assets | 0.10% | -0.52 pp |
| Member Growth | -5.53% | - |
| Loan-to-Share Ratio | 30.53% | -41.67 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Central State
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $255.2M | - |
| 2025Q4 | $228.8M | 14,357 |
| 2024Q4 | $234.5M | 15,198 |
| 2023Q4 | $228.9M | 16,185 |
Credit Union Details
- Charter Number
- 60363
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Stockton
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Central State, spread across 3 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Stockton, CA |
| Lodi's Branch | Lodi, CA |
| San Andreas Branch | San Andreas, CA |
| El Dorado's Branch | Stockton, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Central State
Similar total assets
Using this data
- Central State ranks #3,611 of 4,374 nationally on financial health and #209 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHAFFEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHAFFEY
Frequently Asked Questions
Is Central State financially healthy?
On its 2025Q4 NCUA 5300 filing, Central State scores 70/100 (Very Good), with a 8.97% net worth ratio and 0.27% of loans delinquent. It ranks #3,611 of 4,374 nationally on health and #209 of 243 in California.
How does Central State compare to other credit unions?
Central State scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.27% vs 0.89%). Its widest shortfall is loan-to-share ratio (30.53% vs 72.20%).
How can I join Central State?
Membership eligibility for Central State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central State directly for current membership requirements and application steps.
Is my money safe at Central State?
Central State is a state-chartered credit union; its shares are federally 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. Central State's net worth ratio of 8.97% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.