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
- BOOK 86/100
- CHARTER 13.8%
- NCUSIF 2.03%
- CAMELS 0.99%
- HEALTH $234.6M
- NW 23,567
- DELQ #1,786/4,374
- ROA Bull Dog
- ASSETS 68356
Call Report peers
CORAZO in the assets neighbourhood
CORAZO's $234.6M assets sit next to Bull Dog ($234.2M) 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.
CORAZO 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
86 Top 43% higher than 57% 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
CORAZO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68356. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 CORAZO
CORAZO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $234.6M (2025Q4) to $241.8M (2026Q1).
- Net-worth ratio shifted -0.43 pp (14.21% → 13.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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).
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
Cross-state asset and health neighbours for CORAZO - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($234.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 CORAZO financially healthy?
CORAZO has a financial health score of 86/100 (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 #1,786 of 4,374; by total assets it ranks #1,182 of 4,374 nationally (same basis as /rankings/largest); and #114 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 13.78% and delinquency rate of 2.03%.
How does CORAZO compare to other credit unions?
86/100 is CORAZO'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 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?
Federal credit unions like CORAZO 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. CORAZO's net worth ratio of 13.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CORAZO offer compared to banks?
Credit unions like CORAZO 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 CORAZO 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.