Federal credit union · Ventura, California · NCUA charter #13495
County Schools
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $94.6M
- Total assets
- 4,680
- Members
- 8.4%
- Net-worth ratio
County Schools scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.6M; members 4,680; net-worth ratio 8.42%; health rank #4,123 of 4,374; healthier than 6th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,123 of 4,374 health · 2025Q4County Schools · health 58/100 · $94.6M · 2025Q4
- BOOK 58/100
- CHARTER 8.4%
- NCUSIF 2.89%
- CAMELS -0.00%
- HEALTH $94.6M
- NW 4,680
- DELQ #4,123/4,374
- ROA Four Seasons
- ASSETS 13495
Call Report peers
County Schools in the assets neighbourhood
County Schools's $94.6M assets sit next to Four Seasons ($94.5M) 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.
County Schools 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
58 6th percentile higher than 6% 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
County Schools - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13495, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for County Schools
- Loan-to-Share Ratio leads the peer set - 73.99% here, 62.60% peer average (+11.39 pp).
- Largest lag: Net Worth Ratio at 8.42% vs peer 13.62% (-5.20 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
County Schools: in-state Call Report ranks
- California health ordinal: #237 of 243.
- By total assets, County Schools is #153 of 243 in California.
- Membership ranks #160 of 243 among California CUs with a reported count (4,680 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
County Schools: 2025Q4 → 2026Q1
County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.3% from $94.6M (2025Q4) to $91.5M (2026Q1).
- Net-worth ratio shifted +0.30 pp (8.12% → 8.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 6.9 pts
- Return on Assets 4.5 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.42% | -5.20 pp |
| Delinquency Rate | 2.89% | +1.93 pp |
| Return on Assets | -0.00% | -0.66 pp |
| Member Growth | -2.17% | - |
| Loan-to-Share Ratio | 73.99% | +11.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
County Schools filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $91.5M | - |
| 2025Q4 | $94.6M | 4,680 |
| 2024Q4 | $93.5M | 4,784 |
| 2023Q4 | $88.8M | 5,388 |
Credit Union Details
- Charter Number
- 13495
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- Ventura
- Data Quarter
- 2025Q4
Branch Locations (5)
County Schools operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Ventura, CA |
| Oxnard Branch | Oxnard, CA |
| Hot Site | Ventura, CA |
| Disaster Recovery | Ventura, CA |
| Vital Records | Ventura, 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.
Nationwide credit unions with similar profiles
County Schools's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($94.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- County Schools ranks #4,123 of 4,374 nationally on financial health and #237 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UPWARD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UPWARD
- 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 County Schools financially healthy?
Yes/no aside, the number is 58/100 (Fair) - County Schools's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,123 of 4,374; by total assets it ranks #1,871 of 4,374 nationally (same basis as /rankings/largest); and #153 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.42% net worth ratio and 2.89% delinquency rate are the key drivers.
How does County Schools compare to other credit unions?
On PlainCU's health composite, County Schools lands at 58/100, compared to a peer group average for $50M–$100M 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 County Schools?
County Schools 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 County Schools directly for the exact boundaries and application steps.
Is my money safe at County Schools?
Federal credit unions like County Schools 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. County Schools's net worth ratio of 8.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does County Schools offer compared to banks?
Credit unions like County Schools 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 County Schools 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.