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
- BOOK 70/100
- CHARTER 9.0%
- NCUSIF 0.27%
- CAMELS 0.10%
- HEALTH $228.8M
- NW 14,357
- DELQ #3,611/4,374
- ROA New Cumberland
- ASSETS 60363
Call Report peers
Central State in the assets neighbourhood
Central State's $228.8M assets sit next to New Cumberland ($229.4M) 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.
Central State 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
70 17th percentile higher than 17% 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
Central State - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60363: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Central State
Central State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +11.5% from $228.8M (2025Q4) to $255.2M (2026Q1).
- Net-worth ratio shifted -1.04 pp (10.01% → 8.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
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).
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
Two NCUA Call Report peer sets for Central State, 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 ($228.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- 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 Central State financially healthy?
Central State has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,611 of 4,374; by total assets it ranks #1,200 of 4,374 nationally (same basis as /rankings/largest); and #115 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.97% and delinquency rate of 0.27%.
How does Central State compare to other credit unions?
Five weighted metrics from NCUA filings produce Central State's 70/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Central State 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. Central State's net worth ratio of 8.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central State offer compared to banks?
Credit unions like Central State 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 Central State 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.