Federal credit union · Edwards, California · NCUA charter #14830
EDWARDS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $276.4M
- Total assets
- 13,073
- Members
- 8.8%
- Net-worth ratio
EDWARDS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $276.4M; members 13,073; net-worth ratio 8.75%; health rank #1,349 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,349 of 4,374 health · 2025Q4EDWARDS · health 89/100 · $276.4M · 2025Q4
Call Report peers
EDWARDS in the assets neighbourhood
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EDWARDS vs every NCUA-scored credit union
EDWARDS sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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 EDWARDS
- Delinquency Rate leads the peer set - 0.71% here, 0.89% peer average (-0.19 pp).
- Largest lag: Loan-to-Share Ratio at 60.01% vs peer 72.20% (-12.19 pp).
California standing for EDWARDS
- California health ordinal: #83 of 243.
- Assets rank #110 of 243 inside California ($276.4M reported).
- Membership ranks #112 of 243 among California CUs with a reported count (13,073 members).
- One place up in California, East County Schools (#82) ties at 89/100; one place down, Chula Vista City Employees (#84) ties at 89/100.
Quarter path for EDWARDS
EDWARDS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $276.4M (2025Q4) to $278.9M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.87% → 8.75%).
This credit union's 8.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
EDWARDS gives up 11 points in total. Net Worth Ratio costs the most, 3.1 of its 30; Member Growth loses the least, 0.7.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 22.9 pts
- Return on Assets 12.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for EDWARDS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.75% | -3.36 pp |
| Delinquency Rate | 0.71% | -0.19 pp |
| Return on Assets | 0.30% | -0.32 pp |
| Member Growth | 4.42% | - |
| Loan-to-Share Ratio | 60.01% | -12.19 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - EDWARDS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $278.9M | - |
| 2025Q4 | $276.4M | 13,073 |
| 2024Q4 | $259.2M | 12,520 |
| 2023Q4 | $270.1M | 12,532 |
Credit Union Details
- Charter Number
- 14830
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Edwards
- Data Quarter
- 2025Q4
Branch Locations (2)
EDWARDS operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Edwards AFB Branch (Main Office) | Edwards, CA |
| Palmdale Branch | Palmdale, 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.
Cross-state Call Report peers for EDWARDS
Similar total assets
Using this data
- EDWARDS ranks #1,349 of 4,374 nationally on financial health and #83 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage Community
Frequently Asked Questions
Is EDWARDS financially healthy?
EDWARDS has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,349 of 4,374 nationally on health and #83 of 243 in California. Its net worth ratio is 8.75% and its delinquency rate 0.71%.
How does EDWARDS compare to other credit unions?
EDWARDS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.71% vs 0.89%). Its widest shortfall is loan-to-share ratio (60.01% vs 72.20%).
How can I join EDWARDS?
EDWARDS 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 EDWARDS directly for the exact boundaries and application steps.
Is my money safe at EDWARDS?
EDWARDS 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. EDWARDS's net worth ratio of 8.75% 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.