Federal credit union · Chula Vista, California · NCUA charter #18405
Chula Vista City Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $3.5M
- Total assets
- 541
- Members
- 8.5%
- Net-worth ratio
Chula Vista City Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.5M; members 541; net-worth ratio 8.51%; health rank #1,352 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,352 of 4,374 health · 2025Q4Chula Vista City Employees · health 89/100 · $3.5M · 2025Q4
- PHOTO 89/100
- BOOK 8.5%
- CHARTER 0.01%
- NCUSIF 0.93%
- CAMELS $3.5M
- HEALTH 541
- NW #1,352/4,374
- DELQ n/a
- ROA 18405
Call Report peers
Chula Vista City Employees carries $3.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chula Vista City Employees 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
89 Top 31% higher than 69% 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
Chula Vista City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18405. See our deposit-insurance coverage note.
Chula Vista City Employees vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.01% here, 1.81% peer average (-1.80 pp).
- Largest lag: Net Worth Ratio at 8.51% vs peer 19.06% (-10.55 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chula Vista City Employees: in-state Call Report ranks
- California health ordinal: #84 of 243.
- Assets rank #234 of 243 inside California ($3.5M reported).
- Member book place in California: #232 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 Chula Vista City Employees
Chula Vista City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -9.0% from $3.5M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted +3.07 pp (5.44% → 8.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.51% | -10.55 pp |
| Delinquency Rate | 0.01% | -1.80 pp |
| Return on Assets | 0.93% | +0.48 pp |
| Member Growth | -0.37% | - |
| Loan-to-Share Ratio | 65.37% | +1.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Chula Vista City Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.2M | - |
| 2025Q4 | $3.5M | 541 |
| 2024Q4 | $3.6M | 543 |
| 2023Q4 | $3.6M | 549 |
Credit Union Details
- Charter Number
- 18405
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- California
- City
- Chula Vista
- Data Quarter
- 2025Q4
Branch Locations (2)
Chula Vista City Employees operates 2 offices in Chula Vista, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Chula Vista, CA |
| vital records center | Chula Vista, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for Chula Vista City Employees
Cross-state asset and health neighbours for Chula Vista City Employees - kept outside California; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Chula Vista City Employees ranks #1,352 of 4,374 nationally on financial health and #84 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U.S.B. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U.S.B. Employees
- 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 Chula Vista City Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Chula Vista City Employees carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,352 of 4,374; by total assets it ranks #4,012 of 4,374 nationally (same basis as /rankings/largest); and #234 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.51% net worth ratio and a 0.01% delinquency rate.
How does Chula Vista City Employees compare to other credit unions?
89/100 is Chula Vista City Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Chula Vista City Employees?
Chula Vista City Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Chula Vista City Employees directly to confirm current membership steps.
Is my money safe at Chula Vista City Employees?
Federal credit unions like Chula Vista City Employees 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. Chula Vista City Employees's net worth ratio of 8.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chula Vista City Employees offer compared to banks?
Credit unions like Chula Vista City Employees 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 Chula Vista City Employees 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.