Federal credit union · El Monte, California · NCUA charter #9230
CERTIFIED
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $903.1M
- Total assets
- 60,018
- Members
- 20.5%
- Net-worth ratio
CERTIFIED scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $903.1M; members 60,018; net-worth ratio 20.52%; health rank #2,049 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,049 of 4,374 health · 2025Q4CERTIFIED · health 84/100 · $903.1M · 2025Q4
- BOOK 84/100
- CHARTER 20.5%
- NCUSIF 0.57%
- CAMELS 1.27%
- HEALTH $903.1M
- NW 60,018
- DELQ #2,049/4,374
- ROA Community Choice
- ASSETS 9230
CERTIFIED in the assets neighbourhood
CERTIFIED's $903.1M assets sit next to Community Choice ($902.7M) 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.
CERTIFIED 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
84 Top 50% higher than 50% 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
CERTIFIED - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9230: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
CERTIFIED vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +9.34 pp (20.52% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 80.54% vs peer 83.90% (-3.36 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CERTIFIED: in-state Call Report ranks
- Health composite ranks #127 of 243 among scored California credit unions.
- California assets place: #70 of 243.
- Member book place in California: #56 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.
How CERTIFIED's 5300 filing moved
CERTIFIED: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $903.1M (2025Q4) to $920.0M (2026Q1).
- Net-worth ratio shifted -0.06 pp (20.58% → 20.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
CERTIFIED health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.52% | +9.34 pp |
| Delinquency Rate | 0.57% | -0.30 pp |
| Return on Assets | 1.27% | +0.76 pp |
| Member Growth | -7.54% | - |
| Loan-to-Share Ratio | 80.54% | -3.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $920.0M | - |
| 2025Q4 | $903.1M | 60,018 |
| 2024Q4 | $871.7M | 64,912 |
| 2023Q4 | $781.7M | 57,041 |
Credit Union Details
- Charter Number
- 9230
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- El Monte
- Data Quarter
- 2025Q4
Branch Locations (12)
CERTIFIED operates 12 offices across 12 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| El Monte (Main Office) | El Monte, CA |
| Brea | Brea, CA |
| Commerce | Commerce, CA |
| Costa Mesa | Costa Mesa, CA |
| Diamond Bar | Diamond Bar, CA |
| Fullerton Branch | Fullerton, CA |
| Granada Hills Branch | Granada Hills, CA |
| MWD | Los Angeles, CA |
| San Bernardino | San Bernardino, CA |
| San Diego Branch | San Diego, CA |
| Tracy Branch | Tracy, CA |
| West Covina | West Covina, 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.
CERTIFIED nationwide neighbourhoods
Two NCUA Call Report peer sets for CERTIFIED, 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 ($903.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- CERTIFIED ranks #2,049 of 4,374 nationally on financial health and #127 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community First
- 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 CERTIFIED financially healthy?
CERTIFIED scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,049 of 4,374; by total assets it ranks #508 of 4,374 nationally (same basis as /rankings/largest); and #70 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 20.52% net worth ratio and a 0.57% delinquency rate.
How does CERTIFIED compare to other credit unions?
PlainCU's health composite puts CERTIFIED at 84/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 CERTIFIED?
CERTIFIED 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 CERTIFIED directly for the exact boundaries and application steps.
Is my money safe at CERTIFIED?
Federal credit unions like CERTIFIED 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. CERTIFIED's net worth ratio of 20.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CERTIFIED offer compared to banks?
Credit unions like CERTIFIED 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 CERTIFIED 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.