Federal credit union · MONTEREY PARK, California · NCUA charter #1493
F & a
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.97B
- Total assets
- 44,625
- Members
- 12.5%
- Net-worth ratio
F & a scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.97B; members 44,625; net-worth ratio 12.53%; health rank #497 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#497 of 4,374 health · 2025Q4F & a · health 94/100 · $2.97B · 2025Q4
Call Report peers
F & a in the assets neighbourhood
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F & a vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); F & a sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
F & a: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 12.53% here, 11.18% peer average (+1.35 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.09 pp (60.81% vs 83.90%).
California standing for F & a
- In California, health place is #36 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #25 of 243 inside California ($2.97B reported).
- Membership ranks #74 of 243 among California CUs with a reported count (44,625 members).
- One place up in California, Educational Employees (#35) ties at 94/100; one place down, Smw 104 (#37) ties at 94/100.
Quarter path for F & a
F & a: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $2.97B (2025Q4) to $3.06B (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.60% → 12.53%).
At 12.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
F & a gives up 6 points in total. Member Growth costs the most, 4 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 11.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for F & a
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.53% | +1.35 pp |
| Delinquency Rate | 0.26% | -0.62 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 1.64% | - |
| Loan-to-Share Ratio | 60.81% | -23.09 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
F & a quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.06B | - |
| 2025Q4 | $2.97B | 44,625 |
| 2024Q4 | $2.69B | 43,906 |
| 2023Q4 | $2.25B | 47,320 |
Credit Union Details
- Charter Number
- 1493
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- California
- City
- MONTEREY PARK
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for F & a, spread across 2 cities.
| Office | City |
|---|---|
| F&A MAIN (Main Office) | MONTEREY PARK, CA |
| Whittier Branch | Whittier, 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.
F & a nationwide neighbourhoods
Using this data
- F & a ranks #497 of 4,374 nationally on financial health and #36 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Orange County's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Orange County's
Frequently Asked Questions
Is F & a financially healthy?
F & a has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #497 of 4,374 nationally on health and #36 of 243 in California. Its net worth ratio is 12.53% and its delinquency rate 0.26%.
How does F & a compare to other credit unions?
F & a scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.53% vs 11.18%). Its widest shortfall is loan-to-share ratio (60.81% vs 83.90%).
How can I join F & a?
F & a serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact F & a directly for the current list of qualifying groups.
Is my money safe at F & a?
F & a 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. F & a's net worth ratio of 12.53% 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.