State credit union · Antioch, California · NCUA charter #64503
Dow Great Western
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $48.4M
- Total assets
- 2,007
- Members
- 8.5%
- Net-worth ratio
Dow Great Western - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64503, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Dow Great Western - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)88
- Earnings (ROA)9
- Member growth34
- Liquidity (loan-to-share)66
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.49% | 30% |
| Delinquency Rate | 0.79% | 25% |
| Return on Assets | -0.34% | 15% |
| Member Growth | -2.15% | 15% |
| Loan-to-Share Ratio | 42.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $48.4M | 2,007 |
| 2024Q4 | $47.3M | 2,051 |
| 2023Q4 | $47.4M | 2,113 |
Credit Union Details
- Charter Number
- 64503
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- Antioch
- Data Quarter
- 2025Q4
What This Data Says About Dow Great Western
Headquartered in Antioch, California, Dow Great Western is a state credit union with 2,007 members, $48.4M in total assets, and $19.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 65/100 (Good), driven in part by a net worth ratio of 8.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64503 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.79% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 42.77% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.34% on net income of $-165895 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.15%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Dow Great Western financially healthy?
Yes/no aside, the number is 65/100 (Good) - Dow Great Western's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.49% net worth ratio and 0.79% delinquency rate are the key drivers.
How does Dow Great Western compare to other credit unions?
Dow Great Western scores 65/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Dow Great Western?
Membership eligibility for Dow Great Western depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dow Great Western directly for current membership requirements and application steps.
Is my money safe at Dow Great Western?
Federal credit unions like Dow Great Western 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. Dow Great Western's net worth ratio of 8.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dow Great Western offer compared to banks?
Credit unions like Dow Great Western 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 Dow Great Western directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.