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
- RANK 64/100
- PHOTO 8.3%
- BOOK 0.79%
- CHARTER -0.34%
- NCUSIF $48.4M
- CAMELS 2,007
- HEALTH #3,927/4,374
- NW Central Jersey Police & Fire
- DELQ 64503
Call Report peers
Dow Great Western in the assets neighbourhood
Dow Great Western's $48.4M assets sit next to Central Jersey Police & Fire ($48.4M) 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.
Dow Great Western 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
64 10th percentile higher than 10% 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
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.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Dow Great Western
Dow Great Western: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $48.4M (2025Q4) to $48.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (8.49% → 8.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Dow Great Western's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
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
- 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 Dow Great Western financially healthy?
Yes/no aside, the number is 64/100 (Good) - Dow Great Western'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 #3,927 of 4,374; by total assets it ranks #2,426 of 4,374 nationally (same basis as /rankings/largest); and #187 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.31% 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 64/100 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 8.31% 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.
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.