Federal credit union · Concord, California · NCUA charter #24326
Chevron
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $5.10B
- Total assets
- 139,239
- Members
- 11.8%
- Net-worth ratio
Chevron - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24326, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Chevron - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth68
- Liquidity (loan-to-share)94
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.78% 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 | 11.78% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | 0.63% | 15% |
| Member Growth | 1.06% | 15% |
| Loan-to-Share Ratio | 91.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.10B | 139,239 |
| 2024Q4 | $4.91B | 137,779 |
| 2023Q4 | $4.67B | 135,514 |
Credit Union Details
- Charter Number
- 24326
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Concord
- Data Quarter
- 2025Q4
What This Data Says About Chevron
Chevron is a federal credit union headquartered in Concord, California, serving 139,239 members with $5.10B in total assets and $4.08B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 94/100 (Excellent), anchored by a net worth ratio of 11.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24326 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.36% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 91.86% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.63% on net income of $32.2M 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 1.06%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Chevron financially healthy?
A 11.78% net worth ratio and a 0.36% delinquency rate feed into Chevron's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Chevron compare to other credit unions?
On PlainCU's health composite, Chevron lands at 94/100, compared to a peer group average for Over $500M 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 Chevron?
Chevron 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 Chevron directly for the exact boundaries and application steps.
Is my money safe at Chevron?
Federal credit unions like Chevron 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. Chevron's net worth ratio of 11.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chevron offer compared to banks?
Credit unions like Chevron 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 Chevron 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.