Federal credit union · DOWNEY, California · NCUA charter #11870
DOWNEY
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $328.0M
- Total assets
- 19,181
- Members
- 8.6%
- Net-worth ratio
DOWNEY scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $328.0M; members 19,181; net-worth ratio 8.64%; health rank #2,187 of 4,374; healthier than 50th of scored peers.
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NCUA 5300 Call Report Masthead
#2,187 of 4,374 health · 2025Q4DOWNEY · health 84/100 · $328.0M · 2025Q4
Call Report peers
DOWNEY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DOWNEY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DOWNEY sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 DOWNEY
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.44 pp (0.46% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 67.27% here, 72.20% peer average (-4.93 pp).
Where DOWNEY sits in California
- In California, health place is #133 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, DOWNEY is #106 of 243 in California.
- California membership ordinal: #103 of 243.
- One place up in California, UME (#132) ties at 84/100; one place down, Ontario Public Employees (#134) scores 83/100, 1 point lower.
DOWNEY: 2025Q4 → 2026Q1
DOWNEY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $328.0M (2025Q4) to $331.2M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.70% → 8.64%).
8.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
DOWNEY gives up 16 points in total. Return on Assets costs the most, 9.3 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 5.7 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for DOWNEY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.64% | -3.47 pp |
| Delinquency Rate | 0.46% | -0.44 pp |
| Return on Assets | 0.03% | -0.60 pp |
| Member Growth | 2.38% | - |
| Loan-to-Share Ratio | 67.27% | -4.93 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
DOWNEY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $331.2M | - |
| 2025Q4 | $328.0M | 19,181 |
| 2024Q4 | $320.9M | 18,736 |
| 2023Q4 | $362.3M | 19,249 |
Credit Union Details
- Charter Number
- 11870
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- DOWNEY
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for DOWNEY, spread across 2 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Downey, CA |
| Bell Office | Bell, CA |
| Additional Office Space-Non Member Contact | Downey, 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.
Other-state peers near DOWNEY
Using this data
- DOWNEY ranks #2,187 of 4,374 nationally on financial health and #133 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STRATA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STRATA
Frequently Asked Questions
Is DOWNEY financially healthy?
On its 2025Q4 NCUA 5300 filing, DOWNEY scores 84/100 (Excellent), with a 8.64% net worth ratio and 0.46% of loans delinquent. It ranks #2,187 of 4,374 nationally on health and #133 of 243 in California.
How does DOWNEY compare to other credit unions?
DOWNEY scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.46% vs 0.89%). Its widest shortfall is loan-to-share ratio (67.27% vs 72.20%).
How can I join DOWNEY?
DOWNEY 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 DOWNEY directly for the exact boundaries and application steps.
Is my money safe at DOWNEY?
DOWNEY is a federal 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. DOWNEY's net worth ratio of 8.64% 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.