State credit union · Stockton, California · NCUA charter #60363
Central State
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $228.8M
- Total assets
- 14,357
- Members
- 10.0%
- Net-worth ratio
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.
Central State - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)60
- Member growth0
- Liquidity (loan-to-share)58
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.01% | 30% |
| Delinquency Rate | 0.27% | 25% |
| Return on Assets | 0.10% | 15% |
| Member Growth | -5.53% | 15% |
| Loan-to-Share Ratio | 30.53% | 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 | $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
What This Data Says About Central State
Central State is a state credit union headquartered in Stockton, California, serving 14,357 members with $228.8M in total assets and $64.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 73/100 (Very Good), anchored by a net worth ratio of 10.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60363 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.27% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 30.53% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.10% on net income of $237K 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 -5.53%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group 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 Central State financially healthy?
Central State has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.01% 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 73/100 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 10.01% 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.
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.