State credit union · Antioch, California · NCUA charter #64503
Dow Great Western
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $48.4M
- Total assets
- 2,007
- Members
- 8.3%
- Net-worth ratio
Dow Great Western scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.4M; members 2,007; net-worth ratio 8.31%; health rank #3,927 of 4,374; healthier than 10th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,927 of 4,374 health · 2025Q4Dow Great Western · health 64/100 · $48.4M · 2025Q4
Call Report peers
Dow Great Western in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dow Great Western vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Dow Great Western sits in 60-64 with 179 others.
64 10th percentile higher than 10% 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 Dow Great Western
- Delinquency Rate leads the peer set - 0.79% here, 1.15% peer average (-0.35 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.03 pp (42.77% vs 59.80%).
Dow Great Western: in-state Call Report ranks
- Health composite ranks #229 of 243 among scored California credit unions.
- By total assets, Dow Great Western is #187 of 243 in California.
- Membership ranks #204 of 243 among California CUs with a reported count (2,007 members).
- One place up in California, Farmers Insurance (#228) ties at 64/100; one place down, San Mateo City Employees (#230) scores 63/100, 1 point lower.
Quarter path for Dow Great Western
Dow Great Western: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $48.4M (2025Q4) to $48.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (8.49% → 8.31%).
8.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 64/100 score is built
Dow Great Western gives up 36 points in total. Return on Assets costs the most, 13.6 of its 15; Delinquency Rate loses the least, 2.9.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 22.1 pts
- Return on Assets 1.4 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 9.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.31% | -6.55 pp |
| Delinquency Rate | 0.79% | -0.35 pp |
| Return on Assets | -0.34% | -1.05 pp |
| Member Growth | -2.15% | - |
| Loan-to-Share Ratio | 42.77% | -17.03 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.2M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Dow Great Western, spread across 2 cities.
| Office | City |
|---|---|
| Dow Great Western (Main Office) | Antioch, CA |
| Kaiperm CU | Walnut Creek, 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.
Other-state peers near Dow Great Western
Using this data
- Dow Great Western ranks #3,927 of 4,374 nationally on financial health and #229 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Valley Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Valley Firefighters
Frequently Asked Questions
Is Dow Great Western financially healthy?
Dow Great Western has a financial health score of 64/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,927 of 4,374 nationally on health and #229 of 243 in California. Its net worth ratio is 8.31% and its delinquency rate 0.79%.
How does Dow Great Western compare to other credit unions?
Dow Great Western scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.79% vs 1.15%). Its widest shortfall is loan-to-share ratio (42.77% vs 59.80%).
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?
Dow Great Western 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. Dow Great Western's net worth ratio of 8.31% 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.