State credit union · El Centro, California · NCUA charter #68356
CORAZO
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $234.6M
- Total assets
- 23,567
- Members
- 13.8%
- Net-worth ratio
CORAZO scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $234.6M; members 23,567; net-worth ratio 13.78%; health rank #1,786 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,786 of 4,374 health · 2025Q4CORAZO · health 86/100 · $234.6M · 2025Q4
Call Report peers
CORAZO in the assets neighbourhood
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CORAZO vs every NCUA-scored credit union
CORAZO sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CORAZO
- Loan-to-Share Ratio leads the peer set - 90.35% here, 72.20% peer average (+18.15 pp).
- Largest lag: Delinquency Rate at 2.03% vs peer 0.89% (+1.13 pp).
Where CORAZO sits in California
- California health ordinal: #102 of 243.
- Assets rank #114 of 243 inside California ($234.6M reported).
- Member book place in California: #95 of 243.
- One place up in California, F3 (#101) ties at 86/100; one place down, Huntington Beach (#103) ties at 86/100.
Quarter path for CORAZO
CORAZO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $234.6M (2025Q4) to $241.8M (2026Q1).
- Net-worth ratio shifted -0.43 pp (14.21% → 13.78%).
13.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
CORAZO gives up 14 points in total. Delinquency Rate costs the most, 12.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 14.5 pts
CORAZO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.78% | +1.67 pp |
| Delinquency Rate | 2.03% | +1.13 pp |
| Return on Assets | 0.99% | +0.36 pp |
| Member Growth | 4.30% | - |
| Loan-to-Share Ratio | 90.35% | +18.15 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CORAZO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $241.8M | - |
| 2025Q4 | $234.6M | 23,567 |
| 2024Q4 | $219.3M | 22,596 |
| 2023Q4 | $195.7M | 22,807 |
Credit Union Details
- Charter Number
- 68356
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- El Centro
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, CORAZO runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | El Centro, CA |
| Brawley Branch | Brawley, CA |
| Calexico Branch | Calexico, CA |
| Imperial Branch Recovery Site | Imperial, CA |
| Imperial Branch | Imperial, 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.
CORAZO nationwide neighbourhoods
Using this data
- CORAZO ranks #1,786 of 4,374 nationally on financial health and #102 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SRI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SRI
Frequently Asked Questions
Is CORAZO financially healthy?
On its 2025Q4 NCUA 5300 filing, CORAZO scores 86/100 (Excellent), with a 13.78% net worth ratio and 2.03% of loans delinquent. It ranks #1,786 of 4,374 nationally on health and #102 of 243 in California.
How does CORAZO compare to other credit unions?
CORAZO scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.35% vs 72.20%). Its widest shortfall is delinquency rate (2.03% vs 0.89%).
How can I join CORAZO?
Membership eligibility for CORAZO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CORAZO directly for current membership requirements and application steps.
Is my money safe at CORAZO?
CORAZO is a state-chartered credit union; its shares are federally 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. CORAZO's net worth ratio of 13.78% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.