Federal credit union · Anaheim, California · NCUA charter #24983
Credit Union of Southern California
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $3.84B
- Total assets
- 184,324
- Members
- 11.3%
- Net-worth ratio
Credit Union of Southern California scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.84B; members 184,324; net-worth ratio 11.27%; health rank #1,469 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,469 of 4,374 health · 2025Q4Credit Union · health 88/100 · $3.84B · 2025Q4
- CHARTER 88/100
- NCUSIF 11.3%
- CAMELS 0.51%
- HEALTH 0.00%
- NW $3.84B
- DELQ 184,324
- ROA #1,469/4,374
- ASSETS Campus USA
- MEM 24983
Call Report peers
Credit Union of Southern California in the assets neighbourhood
Credit Union of Southern California's $3.84B assets sit next to Campus USA ($3.85B) 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.
Credit Union of Southern California 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
88 Top 35% higher than 65% 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
Credit Union of Southern California - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24983. See our deposit-insurance coverage note.
Peer-gap read for Credit Union of Southern California
- Largest favorable gap: Delinquency Rate at 0.51% vs peer 0.87% (-0.36 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.29 pp (70.61% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Credit Union of Southern California
- In California, health place is #91 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, Credit Union of Southern California is #21 of 243 in California.
- Member book place in California: #20 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 Credit Union of Southern California's 5300 filing moved
- Assets moved +2.7% from $3.84B (2025Q4) to $3.94B (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.28% → 11.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 29.3 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 18.1 pts
Call Report ratios for Credit Union of Southern California
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.27% | +0.09 pp |
| Delinquency Rate | 0.51% | -0.36 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 70.61% | -13.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.94B | - |
| 2025Q4 | $3.84B | 184,324 |
Credit Union Details
- Charter Number
- 24983
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Anaheim
- Data Quarter
- 2025Q4
Branch Locations (27)
Credit Union of Southern California operates 27 offices across 22 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Anaheim, CA |
| Alhambra Branch | Alhambra, CA |
| Anaheim Branch | Anaheim, CA |
| Secondary Corporate Office - Arcadia | Arcadia, CA |
| Bloomington Branch | Bloomington, CA |
| Brea Branch | Brea, CA |
| City of Industry Branch | City of Industry, CA |
| Costa Mesa Branch | Costa Mesa, CA |
| Covina Branch | Covina, CA |
| El Monte Branch | El Monte, CA |
| Fontana Branch | Fontana, CA |
| Fullerton Branch | Fullerton, CA |
| Gardena Branch | Gardena, CA |
| La Habra Branch | La Habra, CA |
| Havasu Branch | Lake Havasu City, AZ |
| Los Angeles - San Vicente Branch | Los Angeles, CA |
| Los Angeles - Main Street Branch | Los Angeles, CA |
| Los Angeles Broadway Branch | Los Angeles, CA |
| Norwalk Branch | Norwalk, CA |
| Ontario Branch | Ontario, CA |
| Orange Branch | Orange, CA |
| Pasadena Branch | Pasadena, CA |
| Pomona Branch | Pomona, CA |
| Riverside Branch | Riverside, CA |
| Whittier Greenleaf Branch | Whittier, CA |
| Whittier Marketplace Branch | Whittier, CA |
| Whittier La Serna Branch | Whittier, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Credit Union of Southern California, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.84B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Credit Union of Southern California ranks #1,469 of 4,374 nationally on financial health and #91 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NUVISION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NUVISION
- 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 Credit Union of Southern California financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Credit Union of Southern California'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 #1,469 of 4,374; by total assets it ranks #131 of 4,374 nationally (same basis as /rankings/largest); and #21 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.27% net worth ratio and 0.51% delinquency rate are the key drivers.
How does Credit Union of Southern California compare to other credit unions?
On PlainCU's health composite, Credit Union of Southern California lands at 88/100, compared to a peer group average for Over $500M 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 Credit Union of Southern California?
Credit Union of Southern California 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 Credit Union of Southern California directly for the exact boundaries and application steps.
Is my money safe at Credit Union of Southern California?
Federal credit unions like Credit Union of Southern California 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. Credit Union of Southern California's net worth ratio of 11.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Southern California offer compared to banks?
Credit unions like Credit Union of Southern California 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 Credit Union of Southern California 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.