Federal credit union · SANTA ANA, California · NCUA charter #24776
Comunidad Latina
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $11.1M
- Total assets
- 2,007
- Members
- 25.1%
- Net-worth ratio
Comunidad Latina scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.1M; members 2,007; net-worth ratio 25.10%; health rank #3 of 4,374; healthier than 99th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3 of 4,374 health · 2025Q4Comunidad Latina · health 100/100 · $11.1M · 2025Q4
- NW 100/100
- DELQ 25.1%
- ROA 0.46%
- ASSETS 2.84%
- MEM $11.1M
- RANK 2,007
- PHOTO #3/4,374
- BOOK North Carolina Press Association
- CHARTER 24776
Call Report peers
Comunidad Latina in the assets neighbourhood
Comunidad Latina's $11.1M assets sit next to North Carolina Press Association ($11.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Comunidad Latina 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
100 Top 1% higher than 99% 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
Comunidad Latina - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24776, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Comunidad Latina
- Loan-to-Share Ratio leads the peer set - 75.86% here, 59.80% peer average (+16.06 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Comunidad Latina: in-state Call Report ranks
- In California, health place is #1 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #225 of 243.
- Member book place in California: #203 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.
Comunidad Latina: 2025Q4 → 2026Q1
Comunidad Latina: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $11.1M (2025Q4) to $11.2M (2026Q1).
- Net-worth ratio shifted +0.20 pp (24.90% → 25.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 25.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Comunidad Latina
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.10% | +10.24 pp |
| Delinquency Rate | 0.46% | -0.68 pp |
| Return on Assets | 2.84% | +2.13 pp |
| Member Growth | 8.25% | - |
| Loan-to-Share Ratio | 75.86% | +16.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Comunidad Latina filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.2M | - |
| 2025Q4 | $11.1M | 2,007 |
| 2024Q4 | $9.7M | 1,854 |
| 2023Q4 | $8.8M | 1,704 |
Credit Union Details
- Charter Number
- 24776
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- SANTA ANA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Comunidad Latina.
| Office | City |
|---|---|
| COMUNIDAD LATINA FEDERAL CREDIT UNION (Main Office) | SANTA ANA, 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.
Cross-state Call Report peers for Comunidad Latina
Cross-state asset and health neighbours for Comunidad Latina - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Comunidad Latina ranks #3 of 4,374 nationally on financial health and #1 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Francisco Lee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Francisco Lee
- 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 Comunidad Latina financially healthy?
Comunidad Latina has a financial health score of 100/100 (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 #3 of 4,374; by total assets it ranks #3,508 of 4,374 nationally (same basis as /rankings/largest); and #225 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 25.10% and delinquency rate of 0.46%.
How does Comunidad Latina compare to other credit unions?
On PlainCU's health composite, Comunidad Latina lands at 100/100, compared to a peer group average for $10M–$50M 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 Comunidad Latina?
Comunidad Latina 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 Comunidad Latina directly for the exact boundaries and application steps.
Is my money safe at Comunidad Latina?
Federal credit unions like Comunidad Latina 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. Comunidad Latina's net worth ratio of 25.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Comunidad Latina offer compared to banks?
Credit unions like Comunidad Latina 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 Comunidad Latina 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.