Federal credit union · Burbank, California · NCUA charter #9556
CLEARPATH
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $217.6M
- Total assets
- 10,760
- Members
- 8.6%
- Net-worth ratio
CLEARPATH scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $217.6M; members 10,760; net-worth ratio 8.62%; health rank #1,730 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,730 of 4,374 health · 2025Q4CLEARPATH · health 87/100 · $217.6M · 2025Q4
- DELQ 87/100
- ROA 8.6%
- ASSETS 0.32%
- MEM 0.29%
- RANK $217.6M
- PHOTO 10,760
- BOOK #1,730/4,374
- CHARTER SUNLIGHT
- NCUSIF 9556
Call Report peers
CLEARPATH in the assets neighbourhood
CLEARPATH's $217.6M assets sit next to SUNLIGHT ($217.5M) 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.
CLEARPATH 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
87 Top 40% higher than 60% 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
CLEARPATH - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9556, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CLEARPATH vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 93.51% vs peer 72.20% (+21.31 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.49 pp (8.62% vs 12.11%).
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 CLEARPATH
- In California, health place is #100 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #117 of 243.
- Member book place in California: #121 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 CLEARPATH's 5300 filing moved
CLEARPATH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $217.6M (2025Q4) to $224.4M (2026Q1).
- Net-worth ratio shifted -0.45 pp (9.07% → 8.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.8 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.62% | -3.49 pp |
| Delinquency Rate | 0.32% | -0.57 pp |
| Return on Assets | 0.29% | -0.34 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 93.51% | +21.31 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).
CLEARPATH quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $224.4M | - |
| 2025Q4 | $217.6M | 10,760 |
| 2024Q4 | $183.3M | 10,618 |
| 2023Q4 | $151.2M | 11,007 |
Credit Union Details
- Charter Number
- 9556
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Burbank
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for CLEARPATH, spread across 2 cities.
| Office | City |
|---|---|
| Burbank Headquarter (Main Office) | Burbank, CA |
| North Hollywood Branch | North Hollywood, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
CLEARPATH nationwide neighbourhoods
Cross-state asset and health neighbours for CLEARPATH - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($217.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- CLEARPATH ranks #1,730 of 4,374 nationally on financial health and #100 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alta Vista is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alta Vista
- 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 CLEARPATH financially healthy?
CLEARPATH has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,730 of 4,374; by total assets it ranks #1,222 of 4,374 nationally (same basis as /rankings/largest); and #117 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 8.62% and delinquency rate of 0.32%.
How does CLEARPATH compare to other credit unions?
87/100 is CLEARPATH's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 CLEARPATH?
CLEARPATH 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 CLEARPATH directly for the exact boundaries and application steps.
Is my money safe at CLEARPATH?
Federal credit unions like CLEARPATH 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. CLEARPATH's net worth ratio of 8.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CLEARPATH offer compared to banks?
Credit unions like CLEARPATH 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 CLEARPATH 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.