Federal credit union · El Monte, California · NCUA charter #95072
El Monte Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $31.6M
- Total assets
- 2,637
- Members
- 10.7%
- Net-worth ratio
El Monte Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.6M; members 2,637; net-worth ratio 10.67%; health rank #661 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#661 of 4,374 health · 2025Q4El Monte Community · health 93/100 · $31.6M · 2025Q4
Call Report peers
El Monte Community in the assets neighbourhood
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El Monte Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); El Monte Community sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Where El Monte Community diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +2.46 pp (62.26% vs 59.80%).
- Net Worth Ratio trails the peer set - 10.67% here, 14.86% peer average (-4.19 pp).
Where El Monte Community sits in California
- California health ordinal: #43 of 243.
- California assets place: #205 of 243.
- Member book place in California: #187 of 243.
- One place up in California, POPA (#42) ties at 93/100; one place down, Torrance Community (#44) ties at 93/100.
El Monte Community: 2025Q4 → 2026Q1
El Monte Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $31.6M (2025Q4) to $33.0M (2026Q1).
- Net-worth ratio shifted -0.31 pp (10.98% → 10.67%).
10.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
El Monte Community gives up 7 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 13.5 pts
El Monte Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.67% | -4.19 pp |
| Delinquency Rate | 0.29% | -0.85 pp |
| Return on Assets | 0.81% | +0.10 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 62.26% | +2.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
El Monte Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.0M | - |
| 2025Q4 | $31.6M | 2,637 |
| 2024Q4 | $32.6M | 2,626 |
| 2023Q4 | $30.8M | 2,664 |
Credit Union Details
- Charter Number
- 95072
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- El Monte
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, El Monte Community runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | El Monte, CA |
| PORTICO FISERV | FRISCO, TX |
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 El Monte Community
Using this data
- El Monte Community ranks #661 of 4,374 nationally on financial health and #43 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Mateo City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Mateo City Employees
Frequently Asked Questions
Is El Monte Community financially healthy?
El Monte Community has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #661 of 4,374 nationally on health and #43 of 243 in California. Its net worth ratio is 10.67% and its delinquency rate 0.29%.
How does El Monte Community compare to other credit unions?
El Monte Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.26% vs 59.80%). Its widest shortfall is net worth ratio (10.67% vs 14.86%).
How can I join El Monte Community?
Membership eligibility for El Monte Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact El Monte Community directly for current membership requirements and application steps.
Is my money safe at El Monte Community?
El Monte Community 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. El Monte Community's net worth ratio of 10.67% 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.